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STATE BANK
Value back on AC train fares, with railway lounge access on a Rs. 300 renewal.
One-time
Per year
Uncapped rewards
Score 700+
Applying takes you to STATE BANK. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms structured from published copy
3 reward rates with their caps, taken from STATE BANK’s own published wording rather than checked against its terms document. Verify before you rely on a figure.
See where each figure came fromTravel
No published ceiling on this tier
Online shopping
No published ceiling on this tier
Everything else
No published ceiling on this tier
Fuel transactions All exclusions
Data-driven verdict based on net earnings after fees and caps.
Key strength
1% on Travel — 1% Transaction Charge Waiver — Save on the transaction charges levied on railway ticket bookings made through IRCTC, with no stated cap.
Biggest limitation
Reward Points redeem only against train ticket fare on IRCTC. They cannot be taken as cashback or statement credit.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
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Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
1%
uncappedTravel
1% Transaction Charge Waiver — Save on the transaction charges levied on railway ticket bookings made through IRCTC
1 pts
uncappedOnline shopping
1 point per ₹125 on other eligible online spends
1 pts
uncappedEverything else
1 Reward Point for every ₹125 spent on eligible offline retail transactions
No product catalogue — reward points are redeemed only against IRCTC train ticket bookings by linking the SBI Card IRCTC Loyalty Number with the cardholder's IRCTC login ID; points cannot be redeemed as cash or statement credit
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | ₹500 | — |
| Annual / renewal fee | ₹300 | Rs. 500 + GST joining fee and Rs. 300 + GST renewal fee. No spend-based waiver is published. |
| Add-on card | Nil. Up to 3 add-on cards at no additional cost, for family members above 18 years. | — |
| Cash withdrawal | 2.5%, min ₹500 | 2.5% of amount withdrawn or Rs. 500, whichever is higher. |
| Late payment | Nil up to Rs. 100; Rs. 100 above Rs. 100-500; Rs. 500 above Rs. 500-1,000; Rs. 750 above Rs. 1,000-10,000; Rs. 950 above Rs. 10,000-25,000; Rs. 1,100 above Rs. 25,000-50,000; Rs. 1,300 above Rs. 50,000. | — |
| Foreign currency markup | 3.5% | — |
Interest only applies if a balance is carried past the due date. Paying in full each month costs nothing, and no reward rate on this card comes close to offsetting the interest if you do not.
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
Rewards only
no welcome value is recorded
Every year after
₹300 a year
charged with no published way to avoid it
1% waiver. 1% fuel surcharge waiver on transactions between ₹500–₹3,000 at all petrol pumps in India, capped at ₹100 per statement cycle
Linkable to UPI. This is a RuPay card, so it can be linked to a UPI app and used for scan-and-pay at merchants.
We do not have insurance & protection recorded for this card. Check the issuer's page before relying on it.
We do not have welcome or milestone benefits recorded for this card. Check the issuer's page before relying on it.
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
CredSpy never collects these. You submit them to the issuer during their own application.
No reviews yet
CredSpy publishes only reviews left by real cardholders. Nothing here is generated, bought or seeded — so this stays empty until someone who holds the card writes one.
STATE BANKYatra SBI Card BK₹499
STATE BANKEtihad Guest SBI Card BK₹1,499
STATE BANKEtihad Guest SBI Premier Card BK₹4,999
STATE BANKFabindia SBI Card BK₹499
STATE BANKFabindia SBI Card SELECT BK₹1,499
STATE BANKCentral SBI Select Card BK₹750| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| IRCTC SBI Platinum Credit Card · this card | ₹300 | 1% travel | Included |
| Yatra SBI Card BK | ₹499 | Up to 6 reward points per ₹100 | No |
| Etihad Guest SBI Card BK | ₹1,499 | Up to 3 miles per ₹100 | No |
| Etihad Guest SBI Premier Card BK | ₹4,999 | Up to 6 miles per ₹100 | No |
| Fabindia SBI Card BK | ₹499 | Up to 5 reward points per ₹100 | No |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
₹300 plus GST, with no published spend-based waiver.
The strongest published rate is 1% on travel, with no stated cap. The calculator above prices your own basket with every cap and exclusion applied.
Yes. Complimentary RAILWAY lounge visits at participating stations, capped at 1 a quarter. This is not airport lounge access.
Yes. This is a RuPay card, so it can be linked to a UPI app and used for scan-and-pay at merchants.
Fuel transactions Rent payments Wallet loads Cash advances and ATM withdrawals EMI transactions Government institution payments No rewards on fuel transactions, rent payments, wallet loads, cash advances and atm withdrawals, emi transactions, government institution payments. No reward points on fuel, rent payments, wallet loads, cash advances, balance transfers, fees and charges, merchant EMI/Flexipay transactions, and government-related transactions
No product catalogue — reward points are redeemed only against IRCTC train ticket bookings by linking the SBI Card IRCTC Loyalty Number with the cardholder's IRCTC login ID; points cannot be redeemed as cash or statement credit
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
A co-branded travel credit card by SBI Card and IRCTC offering up to 10% value-back on train ticket bookings, transaction charge waiver, and railway lounge access, at a low annual fee.
A joining fee of ₹500 plus GST in the first membership year and a renewal fee of ₹300 plus GST from the second year onwards.
Up to 10% value-back as reward points on AC1, AC2, AC3, Executive Chair Car and Chair Car tickets booked via the IRCTC website (irctc.co.in), redeemable at 1 Reward Point = ₹1 for future IRCTC bookings.
No, it does not offer complimentary airport lounge access. It offers 4 complimentary railway lounge visits per year instead (max 1 per quarter).
You earn the base 1 point per ₹125 rate on app bookings, but the accelerated up-to-10% value-back and transaction charge waiver apply only to bookings made via the IRCTC website, not the mobile app.
Reward points cannot be redeemed as cash. Link your SBI Card IRCTC Loyalty Number to your IRCTC login ID, then redeem points at 1 Reward Point = ₹1 directly against train ticket bookings on the IRCTC website or app.
Applicants must be between 21 and 70 years old, either salaried or self-employed, with a stable income source and a good credit score (700+ recommended).
Platinum is the base variant with a ₹500 joining fee; Premier is the premium variant with a ₹1,499 annual fee, offering accelerated rewards on dining, bigger milestone bonuses, and broader perks. Choose based on your spend pattern.
A 1% fuel surcharge waiver applies on transactions between ₹500 and ₹3,000 at petrol pumps across India, capped at ₹100 per statement cycle.
IRCTC also has co-branded cards with BOB, HDFC Bank and RBL Bank. SBI's Platinum variant stands out for its low ₹500 fee and railway lounge access, but has a lower base reward rate than some rivals — compare all options on CredSpy.
CredSpy Pro Tip
Important Notice (2026)
CredSpy Verdict — 3.0/5
Read this first
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IRCTC SBI Platinum Credit Card — 1% on travel. ₹300 a year.