Point value
Not published by issuer — varies by redemption
SBI RUPAY
IRCTC SBI Card Platinum
Should you get this?
Conditional fit
Why this card
- Up to 10 pts / ₹100 on IRCTC
- You spend on iRCTC.
- 4 per year domestic lounge.
Trade-off
The annual fee (₹500) is waived only after ₹75,000 of eligible annual spend.
Annual fee ₹500 per year
Rewards 1 pt / ₹100
Lounge access 4 visits / year
Forex markup 3.5% high
Compare with Axis Bank IndiGo →
Similar tier comparison
Rewards
Earning rules
Detail · from the summary aboveScopeRateEligibilityLimit
General spend1 pt / ₹100——
IRCTC (domestic)10 pts / ₹100——
Annual fee break-even math
When does this card pay for itself ₹75K yearly spend to waive the annual fee
Annual fee is ₹500. The issuer doesn't publish a documented cash value for its reward points, so a reliable rewards break-even estimate can't be shown.
Reward reality — the earning-rate detail behind the numbers above
Reward reality
Conclusion · what you actually getCosts & fees
Spending requirements
Spend gates · caps · milestone thresholdsRequirementAmountPeriodUnlocksRealismStrength
Annual fee waiver₹75,000yearAnnual fee waiverreasonablestrong
Watch outs
Before choosing this card- Forex markup is 3.5%, so frequent international spends may be costly.
- Reward point value isn't clearly documented yet, so overall returns may vary.
Estimated usage
Example usage at this monthly spend
₹
- At this monthly spend, you'd earn: Based on the standard earn rate (1 pt / ₹100). ~500 pts/month. Category and partner bonuses aren't included in this estimate.
- Fee waiver achievable at this spend
- Forex cost ~₹1,750 per ₹50k international spend
Illustrative only, using current base rates and snapshot data.
Benefits & charges
Side-by-side factsBenefits
Lounge Access
- Domestic (cardholder)
- 4 per year
3 sources agree · verify issuer terms before applying
Where to verify
- PaisaBazaar
- BankBazaar
- Operator-verified anchor
- International (cardholder)
- Not included International details not available.
3 sources agree · verify issuer terms before applying
Where to verify
- PaisaBazaar
- BankBazaar
- Operator-verified anchor
Rewards
- Base earn
- 1 points per ₹100 value depends on redemption
Fees & charges
Fees
- Monthly interest rate
- 3.75% / month
- Annual fee
- ₹500
- Joining fee
- ₹500
- Fee waiver spend
- ₹75,000 · verified 10 Jun 2026 Below catalog median waiver (₹2,00,000 vs ₹75,000).
- Interest-free period
- Up to 50 days · verified 7 Jul 2026
International Use
- Forex markup
- 3.5%
Single source · verify on issuer site
Where to verify
- Product tier
- Mid-tier
Travel & perks
Fuel Benefits
At the pumpNo verified fuel benefit available.
Fine print & compare
Compare with similar cards
Similar tier · similar benefitsThe fine print
Caps · exclusions · earning · redemption · last refreshLatest update
- Annual fee: ₹500.
- Forex markup currently listed at 3.5%.
- 4 per year domestic lounge.
Common questions
From verified card factsIs this good for lounge access?
4 per year domestic lounge. Check current spend criteria, guest rules, visit caps, and airport acceptance before relying on it.
Is this good for international spends?
Forex markup is 3.5%, so frequent international spends may be costly.
Is the annual fee easy to recover?
Fee waiver applies at ₹75,000 annual spend. Verify eligible spend exclusions before counting on it.
When do welcome benefits arrive?
No welcome benefit is listed. Check the issuer welcome email, MITC, and current offer page if this benefit matters.
Learn more
Guides matched to this card — not a random syllabus.
- How reward rate works
Pts / ₹100 without the marketing fog - Billing cycle
Statement date vs due date, clearly - How interest works
The real cost of paying the minimum