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SBI Card
RuPay
IRCTC Platinum
•••• 4421
SBI Card

IRCTC Platinum

Approximate, being verifiedRuPay
₹500
annual fee
0.8%
base reward rate
700+
min. credit score

Rewards

4 rules
irctc
cashback · not on UPI · excl. cash advance, education, emi, fuel, govt payments, insurance, jewelry, rent, utility, wallet load
10%
cap: ₹500/mo
~82%
Online shopping
reward points
0.8%
cap: none
~82%
Fuel
cashback · not on UPI
1%
cap: ₹100/mo
~82%
Everything else
reward points · base rate · not on UPI · excl. fuel, utility
0.8%
cap: none
~82%

Who it's for

Minimum income
₹25,000/month
Minimum credit score
700+
Best for
Travel

Reward rules shown are approximate while our team finishes verifying them against issuer MITC documents. We use conservative values, you should still see more rewards than we promise. Always confirm the latest rules in your bank app before relying on a recommendation.

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