Eligible spend
1 points per ₹100 on eligible spend
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
Annual fee waiver isn't clearly documented.
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 / ₹100Credited as reward pointsDoes not earn on Not stated
- fuel
IRCTC (domestic)10 pts / ₹100Credited as reward pointsNot stated
Annual fee in context
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 getPoint value
Not published by issuer — varies by redemption
Best verified lane
IRCTC (domestic)
10 pts / ₹100
View bonus categories →No reward on
- Fuel
Realisation
Credited as reward points
Costs & fees
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). Up to ~500 pts/month if the entire spend qualifies. Excluded transactions and category rules earn less. Partner bonuses aren't included.
- We can estimate the points earned, but not a verified ₹ value yet.
- Fee waiver conditions unclear — verify
- 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
- International (cardholder)
- No international lounge entitlement documented by the issuer Absence of an international claim is not proof of exclusion. Confirm with the issuer or network programme.
Issuer documented · corroborating sources · 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
- First-year cost
- ₹500 · verified 3 Sept 2026
- Annual fee
- ₹500
- Joining fee
- ₹500 · verified 3 Sept 2026
- Interest-free period
- Up to 50 days · verified 7 Jul 2026
- Late-payment charge
- ₹400–₹1,100 depending on outstanding balance Exact charge depends on your outstanding balance per issuer tiers.
International Use
- Forex markup
- 3.5%
Issuer documented · single source · verify on issuer site
Where to verify
- Operator-verified anchor
- 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 refreshExclusions
These spends do not earn reward points.
Financial
- Fuel
Latest update
- First-year cost: ₹500.
- 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?
Value depends on usage and waiver terms. GST may apply on the annual fee.
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