IRCTC SBI Platinum Card Review 2026 — Fees, Rewards & Eligibility
By Credit Card Hunt Editorial Team
Issuer: SBI Card
Network: Visa | Tier: Mid-Range
The IRCTC SBI Platinum Card is a Mid-Range Visa credit card issued by SBI Card, best suited for travelers. It carries a joining fee of ₹500 and an annual fee of ₹300, with an interest rate of 3.5% per month. Key benefits include Railway rewards and 10% IRCTC rewards. New cardholders get a welcome benefit of Welcome points. On fees — No airport lounge access; Foreign transaction markup: 3.5%; Fuel surcharge: 1% waiver. Applicants typically need ₹2,00,000/year to qualify. It falls under the Co-branded, Shopping, and Fuel category on CreditCardHunt.
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Why Choose the IRCTC SBI Platinum Card?
The IRCTC SBI Platinum Card is a Mid-Range-tier Visa credit card issued by SBI Card, rated 4.3/5 by the Credit Card Hunt editorial team. It is best suited for Travelers. With a reward rate of 10% IRCTC rewards and an annual fee of ₹300, it ranks among the popular Co-branded cards in India in 2026.
New cardholders are welcomed with Welcome points, which adds immediate value in the first year.
IRCTC SBI Platinum Card Fees & Charges
| Annual Fee | ₹300 |
|---|---|
| Joining Fee | ₹500 |
| Interest Rate | 3.5% per month |
| Foreign Markup | 3.5% |
| Fuel Surcharge Waiver | 1% waiver |
IRCTC SBI Platinum Card Rewards & Benefits
| Reward Rate | 10% IRCTC rewards |
|---|---|
| Welcome Bonus | Welcome points |
| Lounge Access | None |
| Best For | Travelers |
Key Highlights of the IRCTC SBI Platinum Card
- Railway rewards
- 10% IRCTC rewards
IRCTC SBI Platinum Card Eligibility Criteria
- Age: 21-65 years
- CIBIL score: 700+
- Minimum income: ₹2,00,000/year
Minimum Income Required: ₹2,00,000/year
Advantages of the IRCTC SBI Platinum Card
- Train bookings — a genuine plus for anyone eyeing this mid-range card.
Drawbacks of the IRCTC SBI Platinum Card
- Niche — worth weighing before you apply.
IRCTC SBI Platinum Card — Frequently Asked Questions
What is the annual fee of the IRCTC SBI Platinum Card?
The IRCTC SBI Platinum Card has an annual fee of ₹300 and a joining fee of ₹500. New cardholders receive Welcome points as a welcome benefit, which helps offset the joining cost.
Does the IRCTC SBI Platinum Card offer airport lounge access?
No, the IRCTC SBI Platinum Card does not include complimentary airport lounge access. If lounge access matters to you, compare travel cards on CreditCardHunt.in.
Who is eligible for the IRCTC SBI Platinum Card?
The minimum income requirement is ₹2,00,000/year. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the IRCTC SBI Platinum Card?
The IRCTC SBI Platinum Card earns 10% IRCTC rewards. It is best suited for Travelers.
Credit Cards Similar to the IRCTC SBI Platinum Card
If you are considering the IRCTC SBI Platinum Card, these co-branded credit cards are worth comparing before you apply:
- AU ixigo Credit Card by AU Small Finance Bank — rated 4.7/5, NIL annual fee
- Tata Neu Infinity Credit Card by HDFC Bank — rated 4.6/5, ₹1,499 annual fee
- Marriott Bonvoy HDFC Credit Card by HDFC Bank — rated 4.6/5, ₹3,000 annual fee
- Swiggy HDFC Credit Card by HDFC Bank — rated 4.6/5, ₹500 annual fee
Official sources for this review
Fees, rules and limits described above are governed by the primary sources below.
- RBI Master Direction — Credit Card and Debit Card Issuance and Conduct Directions, 2022 — Reserve Bank of India
- Department of Financial Services — Banking Division — Ministry of Finance, Government of India
- Consumer Financial Decision-Making research — Wharton School, University of Pennsylvania
- Tax Collected at Source on Liberalised Remittance Scheme transactions — Income Tax Department, Government of India
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Expert Rating: 4.3/5