Question 1

What is the annual fee on the IRCTC SBI Platinum Card and how do you get it waived?

Accepted Answer

The IRCTC SBI Platinum Card charges ₹500 plus GST as a joining fee and the same ₹500 again at renewal. There is no spend based waiver on this card, so the ₹500 is a fixed yearly cost you pay regardless of how much you spend.

Question 2

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

Accepted Answer

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.

Question 3

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

Accepted Answer

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.

Question 4

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

Accepted Answer

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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IRCTC SBI Platinum Card

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