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SBI IRCTC Platinum Review 2026 โ Rewards, Fees & Benefits | CardGenie | CardGenie
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SBI Card
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SBI IRCTC Platinum
Visa
SBI Card
SBI IRCTC Platinum
Annual Fee
โน300
Reward
1.25% points
GenieScore
30/100
Expert
3/5โ
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Overview
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Rewards
๐ณ
Fees
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Score
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Verdict
Key Features
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10% value back on IRCTC transactions (AC ticket bookings)
โ๏ธ
1% transaction charge waiver on railway ticket bookings
๐ฐ
Best credit card for frequent train travellers
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Low annual fee of Rs.300
โก
Fuel surcharge waiver
Pros
Cons
Quick Specs
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Card Type
Points
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Network
Visa
๐ฐ
Annual Fee
โน300 + GST
๐ฏ
Base Reward
1.25% points
โ๏ธ
Lounge
Not included
๐ฑ
UPI Rewards
Not available
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Forex
3.5% + GST
โฝ
Fuel Waiver
Available
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Community Sentiment
POSITIVE
Positive
SBI
IRCTC Platinum
VISA
Annual fee
โน300/yr
Joining fee
โน500
Reward
1.25% points
GenieScore
30/100
Apply Now
Compare Cards
GenieScore
30
/100
Fair
10-factor algorithmic rating
See full breakdown โ
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