Research coverage — 15/16 categories
SBI · Visa / RuPay
IRCTC SBI Card
Best forRailways & Education
Earns10 RP/₹100 on railways
1st Year / Joining Fee
₹500 + taxes
Renewal Fee
₹500 + taxes
charged every year for IRCTC SBI Card
Fee waiver
Not recorded
Network
Visa / RuPay
SBI
IRCTC SBI Card
Visa / RuPayWhy this card may suit you
Based on the card's verified terms.
- Best suited to spending on railways and education, where it earns 10 RP/₹100
How you earn
Reward rates at a glance — exactly as recorded for this card.
Railways10 RP/₹100
Education1 RP/₹125
Insurance1 RP/₹125
Utilities1 RP/₹125
Groceries1 RP/₹125
All 16 reward categories · 15 of 16 categories verified
| Category | Rate | Cap | Condition |
|---|---|---|---|
| Rent | Not eligible | — | Reward points on Rent Payment transactions (MCC 6513, 7349) discontinued w.e.fDetails
|
| Education | 1 RP/₹125 | — | 1 Reward Point per ₹125 on education spends (1 RP = ₹1)Details
|
| Insurance | 1 RP/₹125 | — | 1 Reward Point per ₹125 on insurance spends (1 RP = ₹1)Details
|
| Utilities | 1 RP/₹125 | — | 1 Reward Point per ₹125 on utility bill payments (1 RP = ₹1)Details
|
| Fuel | Not eligible | — | Petrol pumps and service stations (MCC 5172, 5541, 5983, 5542) excluded from reward pointsDetails
|
| Groceries | 1 RP/₹125 | — | 1 Reward Point per ₹125 on retail grocery spends (1 RP = ₹1)Details
|
| Dining | 1 RP/₹125 | — | 1 Reward Point per ₹125 on dining spends (1 RP = ₹1)Details
|
| Food Delivery | 1 RP/₹125 | — | 1 Reward Point per ₹125 on food delivery spends (1 RP = ₹1)Details
|
| Shopping | 1 RP/₹125 | — | 1 Reward Point per ₹125 on retail shopping spends (1 RP = ₹1)Details
|
| Travel | 1 RP/₹125 | — | 1 Reward Point per ₹125 on retail travel spends (1 RP = ₹1)Details
|
| Government | Not eligible | — | Reward points on GovtDetails
|
| Wallet | No reward | — | —Details
|
| Railways | 10 RP/₹100 | — | Upto 10% value back in Travel Reward Points on AC ticket bookings via irctc.co.in & IRCTC mobile app (4% off-season, 10% peak seasonDetails
|
| FASTag | Varies | — | Depends on how the transaction is processedDetails
|
| Jewellery | 1 RP/₹125 | — | 1 Reward Point per ₹125 on jewellery spends (1 RP = ₹1)Details
|
| Telecom | 1 RP/₹125 | — | 1 Reward Point per ₹125 on telecom spends (1 RP = ₹1)Details
|
“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.
Cost & caps
What it costs to hold, and where rewards stop.
1st Year / Joining Fee
₹500 + taxes
Renewal Fee
₹500 + taxes
charged every year for IRCTC SBI Card
Fee waiver
Not recorded
Reward caps
No reward cap is recorded in DhanChakshu's verified data. Check the issuer terms for any additional limits.
Key benefits
Rewards
10 RP/₹100 on railways
Foreign-currency markup
3.5% foreign-currency markup — Charged on every foreign-currency transaction (IRCTC SBI Card)
Milestone benefit
On payment of renewal fee of ₹500, 500 Reward points (equivalent to ₹500 at 1 RP = ₹1) will be credited to the cardholder account (w.e.f
Important to know
Limits and exclusions that change what you earn.
- No reward on: Wallet
- Not eligible: Rent, Fuel, Government
Who should consider this card
✓ Good fit if
- Your spending is concentrated in railways, education, insurance
△ Less useful if
- Much of your spending is in rent, fuel, government, which earn nothing
- You do not want to pay an annual fee
Full details
Everything else, expanded on demand.
Caps & exclusions · 0 caps · 4 no-reward categories
Caps
No cap recorded.
Categories with no reward or not eligible
- Rent — Not eligible. Reward points on Rent Payment transactions (MCC 6513, 7349) discontinued w.e.f.
- Fuel — Not eligible. Petrol pumps and service stations (MCC 5172, 5541, 5983, 5542) excluded from reward points.
- Government — Not eligible. Reward points on Govt.
- Wallet — No reward.
Milestones · 1 recorded
- Milestone → benefit worth ₹500 — On payment of renewal fee of ₹500, 500 Reward points (equivalent to ₹500 at 1 RP = ₹1) will be credited to the cardholder account (w.e.f. 26 Dec 2024). Source: IRCTC SBI Card T&C Section 11.4(d).
Eligibility
Subject to SBI's underwriting and eligibility criteria. See the issuer's terms for current requirements.
Specifications
- Payment network: Visa / RuPay
- Airport lounge: Not recorded by DhanChakshu — check the issuer terms
- Fuel surcharge waiver: Not recorded by DhanChakshu — check the issuer terms
- Foreign-currency markup: 3.5% foreign-currency markup — Charged on every foreign-currency transaction (IRCTC SBI Card). The exchange rate is determined by the network (VISA/Mastercard etc.) on the date the transaction is settled with SBI Card.
Other fees and charges
- Renewal fee ₹500 plus applicable taxes, charged every year for IRCTC SBI Card
- Over-limit fee: 2.5% of the amount above the credit limit or ₹600, whichever is higher, charged once per billing cycle
- Payment dishonour fee: 2% of the payment amount, subject to a minimum of ₹500
- Cheque payment fee ₹200
- Card replacement fee between ₹100 and ₹250 depending on the card variant
What DhanChakshu couldn't fully verify · 3 areas
3 areas need further verification. None of these are counted as zero.
- • FASTag — depends on how the transaction is processed
- • Lounge benefit — not recorded; check the issuer terms
- • Fuel surcharge waiver — not recorded; check the issuer terms
Sources & verification
Verification & sources · last checked 2026-10-11
Verification coverage: 15 of 16 categories verified · 1 still being verified
Card record last checked: 2026-10-11
Documents used
IRCTC SBI Card (Platinum) - Cardholder Agreement & Reward Point Program T&C · SBI-IRCTC-2026 · 2026-10-11
SBI MITC · SBI MITC
SBI Cards - Most Important Terms & Conditions · SBI-MITC-UPLOAD-2026-10 · 2026-10-08