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TravelMidVisa✦ IRCTC

IRCTC SBI Platinum Card

Train bookings and travel rewards, no annual cost

Annual fee₹0
Rewards0.80%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.
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

CategoryDetails
Irctc railway ticketsUp to 10% value back as reward points on buying tickets through IRCTC App and Website for AC1, AC2, AC3, Executive Chair car and Chair Car. Reward Points will be transferred to IRCTC Loyalty A/c and can be redeemed at IRCTC Website or Mobile App (Android only) Reward Points on IRCTC bookings are calculated on the Booking base fare, including the Primary Cardholder's fare and all co-travellers' fares.

Redemption options

Irctc loyalty transfer:₹1 per point
  • • 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 PointsAnnual

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 amountLate fee
    ₹0 – ₹100₹0
    ₹101 – ₹500₹100
    ₹501 – ₹1,000₹500
    ₹1,001 – ₹10,000₹750
    ₹10,001 – ₹25,000₹950
    ₹25,001 – ₹50,000₹1,100
    Above ₹50,001₹1,300
    View official MITC →

    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?

    ₹10,000₹5,00,000
    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.

    View OfferTalk to OnePaisa

    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.

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