Cards · SBI Card

IRCTC SBI Platinum Card: rewards, caps and exclusions

The IRCTC SBI Platinum Card pays about 4% on Railway tickets at www.irctc.co.in / IRCTC Android app — 1st AC, 2nd AC, 3rd AC, Executive Chair Car, AC Chair Car (online), and 0.8% on everything else. Below is every rate, cap and exclusion in SBI Card's published terms, as we last checked them on 9 October 2026.

Visa, RuPay₹500 a yearPaid in points

What it earns

≈4%Railway tickets at www.irctc.co.in / IRCTC Android app — 1st AC, 2nd AC, 3rd AC, Executive Chair Car, AC Chair Car (online)no cap stated

≈0.8%Everything elseno cap stated

≈ marks a rate paid in points, valued at ₹1 a point. That is Zenidhi's conservative valuation, the same one the audit uses: the cheap end of what the points can be redeemed for, never the best transfer. Redeemed well, they can be worth more.

What earns nothing

Spend in these categories earns no rewards on this card, however it is paid for:

Fuel
Wallet loads (since 1 July 2020)
EMI conversions (since 20 November 2020)
Cash withdrawals and fees

What costs extra

Worse than earning nothing: SBI Card charges a fee for these.

1% on Utility Payment Fee
1% on Fee on Education Payment Transactions (third-party apps)

Fees

Annual fee: ₹500, plus 18% GST
Joining fee: ₹500

Welcome benefit: 350 activation bonus RP (₹350 against IRCTC tickets) on spending ₹500 within 60 days.

Where this comes from

Transcribed from SBI Card's own documents and checked against them on 9 October 2026:

Banks change these terms, sometimes with a month's notice. If a figure here disagrees with SBI Card's current document, the bank's document is right. Tell us at support@zenidhi.com and we'll fix the rule, here and in the app.

Hold this card?

Zenidhi reads your SBI Card statements and transaction alerts in Gmail, replays every swipe against the rules on this page, and shows you what you missed, and which card in your wallet to use next time. Get my audit · How the audit works