What is Annual Fee and Renewal Fee of the card?

The Annual Fee of the card is Rs. 500 + taxes. The Renewal Fee is Rs. 500 + taxes from second year onwards.

Can I use my card internationally?

Yes, you can use your IRCTC SBI Platinum Card at over 24 million outlets across the globe, including 3,25,000 outlets in India. You can withdraw cash from over 1 million Visa ATMs across the globe.

Credit Cards

State Bank of IndiaVISA

IRCTC SBI Platinum Card

TravelMidVisa✦ IRCTC

IRCTC SBI Platinum Card

Train bookings and travel rewards, no annual cost

Annual fee₹0

Rewards0.64%0.8 Reward Point per ₹125

Forex markup3.5%3.5% on all foreign currency transactions

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Welcome benefits

worth ₹350

350 activation bonus Reward Points

Type: Reward Points
Trigger: Spend ₹500 within 60 days

Rewards

Base earn rate

1 Reward point for every ₹125 spent on non-fuel retail purchases, including railway ticket purchases at www.irctc.co.in and IRCTC Mobile App (Android only)

SBI Card Rewards / IRCTC Loyalty

Excludes: Fuel

Category	Rate	Cap
Irctc Railway Tickets	—	—

• Reward Points are valid for a period of 24 months (for all cards except AURUM). For AURUM, Reward Points never expire.
• Redemption fee: ₹99

Milestone benefits

500 Reward Points on payment of renewal fee

Lounge access

Domestic

4visits / year

International

Not included

Railway lounge access — Included

4 complimentary railway lounge access in a year in India (max. 1 per quarter) Complimentary access to railway lounges will be applicable only for primary cardholders.

Fees & charges

Joining fee: ₹500 + taxes
Annual / renewal fee: ₹0
Add-on card fee: Nil
Interest rate: Finance Charges: 3.75% p.m. (45% p.a.) for unsecured cards; 2.75% p.m. (33% p.a.) for Shaurya, Defence Cards and Secured cards. Minimum Finance Charges ₹25
Interest-free period: 50 days
Cash advance fee: 2.5% of transaction amount (subject to a minimum of ₹500)
Overlimit fee: 2.5% of the overlimit amount that exceeds the credit limit or ₹600, whichever is higher, will be levied. Overlimit Fee will be levied only once per billing cycle.
Payment dishonour: In case of a Payment Dishonor, cardholder will be charged payment dishonor fee of 2% of Payment Amount subject to minimum charges of ₹500
Forex markup: 3.5% on all foreign currency transactions
DCC markup: 3.50%
Reward redemption: ₹99 per redemption
Fuel surcharge: 1% waiver, on ₹500–₹3000 txns, max ₹100/cycle

Late payment

Outstanding amount	Late fee
₹0 – ₹100	Nil
₹100 – ₹500	₹100
₹500 – ₹1,000	₹500
₹1,000 – ₹10,000	₹750
₹10,000 – ₹25,000	₹950
₹25,000 – ₹50,000	₹1,100
Above ₹50,000	₹1,300

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Features

✓ Contactless✓ International usage

Additional features

Accepted at over 24 million outlets globally, including 3,25,000 in India
Withdraw cash from over 1 million Visa ATMs worldwide, including over 18,000 Visa ATMs in India and more than 10,000 State Bank ATMs spread across 100 cities in India

No rewards on

Fuel · Cash

Is this card worth it for you?

Your monthly spend

₹10,000₹5,00,000

Irctc railway ac — 10% back

0% of spend100% of spend

Remaining 80% of spend earns the 0.8% base rate.

Rewards / year

₹15,840

≈ 2.64% effective

Annual fee

₹0

no published waiver

Net steady-state return

+₹15,840/year

Strong fit at this spend

At ₹50,000/month, rewards outrun the fee by ₹15,840 a year.

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One-time welcome benefit: ~₹350 — 350 Activation Bonus Reward Points on a spend of ₹500 or more within 45 days of card issuance

Based on published rates as of 2026-08-07; assumes 1 Reward point = INR 1 per issuer's stated statement-debit conversion (Cardholder Agreement cl. 11.3(i)). Marketed redemption is free railway tickets via IRCTC Loyalty account (points transferred by 15th of each month); no first-hand ₹ value stated for that path, so ₹1/point conversion used as anchor.. Rewards estimates, not guarantees.