What is the reward rate on the IRCTC SBI Platinum Card?

You earn 10 points per ₹100 on IRCTC ticket purchases. Everything else earns 1 point per ₹125. Each point is worth about ₹1 when you redeem it well, so ₹10,000 of top category spend gives you 1000 points, roughly ₹1,000, which is about 10% back. Fuel, Cash earn nothing at all.

Does the IRCTC SBI Platinum Card give free airport lounge access?

The IRCTC SBI Platinum Card gives 4 complimentary domestic lounge visits a year, usually capped at 1 per quarter. There is no prior spend requirement on paper, though SBI Card has been moving cards to spend linked access, so confirm before you rely on it at the airport.

What changed on the IRCTC SBI Platinum Card recently and is it still worth it in 2026?

SBI portfolio-wide cuts (1% fees Nov 2025, MCC exclusions, Jan 2026 lounge tightening). The changes are dated Nov 2025; Jan 2026. At ₹3L of yearly spend the card returns roughly ₹2,400 at its general rate of about 0.8%, against a ₹500 renewal fee. That clears the fee, but not by much, so it is worth keeping only while your spending stays in the accelerated category.

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Card Details

6416 3833 2407 7098

IRCTC SBI Platinum Card

SBIVISA

Monzy Score

7.5/ 10

Very good for frequent travellers.

~2.5% back on top spends; high 3.5% forex markup.

Card Issuer

SBI Card

Joining Fee

₹500

Annual Fee

₹500

Reward Type

Reward Points

Card Access

Standard

Offers from SBI Card

See all

Neelkanth: Up to ₹6500 Instant Discount
Exclusive Discounts · till 12 Sep 2026
Pai-International: Up to Rs 16000 Instant Discount at PAI International
Exclusive Discounts · till 13 Sep 2026
Pittappillil: Up to Rs 10000 Instant Discount at Pittappilill Agencies
Exclusive Discounts · till 13 Sep 2026
Myg: Up to Rs 16000 Instant Discount Offer – myG Mobiles
Electronics Deals · till 15 Sep 2026
Amazon: 10% Instant Discount at Amazon
Shopping Deals · till 18 Sep 2026

Earn Points

10pts

/₹100 on Irctc Ac1/Ac2/Ac3/Executive/Chair Car

1pts

/₹125 on Non-fuel Retail (Incl. Other Irctc)

Benefits

Railway

10% value back on IRCTC AC ticket bookings

Travel

4 railway lounge visits per year

Fuel

1% fuel surcharge waiver

Reward Calculator

NOTE: Enter your monthly spends to see
projected returns.

Excluded: fuel

Total Monthly Spend

Min: ₹5,000Max: ₹2,00,000

Estimated Returns

Railway AC tickets on IRCTC

10% RP on AC tickets

₹3,000

All other retail (non-fuel)

1/125

₹0

Total Annual Return

₹36,000

10% Effective ROI

What Users Are Saying

Community Feed

Dec 2025

IRCTC SBI Platinum Card

Offers from SBI Card

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Benefits

Reward Calculator

What Users Are Saying

Frequently Asked Questions

Things to Keep in Mind

IRCTC SBI Platinum Card

Offers from SBI Card

Earn Points

Benefits

Reward Calculator

What Users Are Saying

Frequently Asked Questions

Things to Keep in Mind

IRCTC SBI Platinum Card

Offers from SBI Card

Earn Points

Benefits

Reward Calculator

What Users Are Saying

Frequently Asked Questions

Things to Keep in Mind