SBI CARD · CHECKED 22 OCT 2026

IRCTC SBI Platinum Card

Best on IRCTC Rail Connect: 3.82% back.

₹500 a yearPaid as Reward Points

Where it earns the most

IRCTC Rail Connect3.82%no minimum order#2 of 50 cards

Airtel Thanks0.8%no minimum order#18 of 50 cards

AJIO0.8%no minimum order#32 of 50 cards

Amazon0.8%no minimum order#32 of 50 cards

Apollo 24|70.8%no minimum order#28 of 50 cards

BigBasket0.8%no minimum order#35 of 50 cards

Everywhere else

0.8% backBlinkitBookMyShowCleartripDistrictDomino'sFlipkartGoibiboixigoJioMartMakeMyTripMeeshoMyntraNykaaPVR INOXReliance DigitalSwiggySwiggy InstamartTata CLiQTata NeuUberZeptoZomato

Where another card earns more

Airtel ThanksAirtel Axis earns more here25%vs 0.8%
AJIOHSBC Live+ earns more here10%vs 0.8%
BigBasketHSBC Live+ earns more here10%vs 0.8%
BlinkitAirtel Axis earns more here10%vs 0.8%
BookMyShowAxis Neo earns more here10%vs 0.8%

All the details: fees, points and limits in every app

Bank: SBI Card
Network: Visa, RuPay
Open to new applications?: Yes
Joining fee: ₹500
Annual fee: ₹500
Rewards paid as: Reward Points
One point is worth: ₹1
How the points are used: ₹1 a point against AC train tickets on IRCTC, or as credit against the card bill; points last 2 years
Checked on: 22 Oct 2026

Official page: SBI Card

App	Reward	Min. order	Limit	Rank of 50
IRCTC Rail Connect	3.82% as Reward Points	—	No stated limit	#2
Airtel Thanks	0.8% as Reward Points	—	No stated limit	#18
AJIO	0.8% as Reward Points	—	No stated limit	#32
Amazon	0.8% as Reward Points	—	No stated limit	#32
Apollo 24\|7	0.8% as Reward Points	—	No stated limit	#28
BigBasket	0.8% as Reward Points	—	No stated limit	#35
Blinkit	0.8% as Reward Points	—	No stated limit	#36
BookMyShow	0.8% as Reward Points	—	No stated limit	#34
Cleartrip	0.8% as Reward Points	—	No stated limit	#32
District	0.8% as Reward Points	—	No stated limit	#30
Domino's	0.8% as Reward Points	—	No stated limit	#36
Flipkart	0.8% as Reward Points	—	No stated limit	#32
Goibibo	0.8% as Reward Points	—	No stated limit	#32
ixigo	0.8% as Reward Points	—	No stated limit	#26
JioMart	0.8% as Reward Points	—	No stated limit	#31
MakeMyTrip	0.8% as Reward Points	—	No stated limit	#32
Meesho	0.8% as Reward Points	—	No stated limit	#29
Myntra	0.8% as Reward Points	—	No stated limit	#31
Nykaa	0.8% as Reward Points	—	No stated limit	#30
PVR INOX	0.8% as Reward Points	—	No stated limit	#35
Reliance Digital	0.8% as Reward Points	—	No stated limit	#28
Swiggy	0.8% as Reward Points	—	No stated limit	#39
Swiggy Instamart	0.8% as Reward Points	—	No stated limit	#32
Tata CLiQ	0.8% as Reward Points	—	No stated limit	#29
Tata Neu	0.8% as Reward Points	—	No stated limit	#29
Uber	0.8% as Reward Points	—	No stated limit	#30
Zepto	0.8% as Reward Points	—	No stated limit	#34
Zomato	0.8% as Reward Points	—	No stated limit	#39

Questions people ask

Where does IRCTC SBI earn the most?

IRCTC SBI Platinum Card earns its highest rewards on IRCTC Rail Connect (3.82% as Reward Points), Airtel Thanks (0.8% as Reward Points) and AJIO (0.8% as Reward Points).

What is the annual fee of IRCTC SBI, and can it be waived?

IRCTC SBI has a joining fee of ₹500 and an annual fee of ₹500. No fee waiver is listed.

How much is one IRCTC SBI point worth?

About ₹1 each when used as the bank shows first: ₹1 a point against AC train tickets on IRCTC, or as credit against the card bill; points last 2 years.

Is IRCTC SBI still available?

Yes, the bank still issues it to new customers.

Rewards are as per SBI Card’s published terms on the date shown and can change. Pickkard isn’t a bank and isn’t connected to SBI Card. Check the official page before applying.

Where it earns the most

Everywhere else

Where another card earns more

Questions people ask

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