SBI Card IRCTC RuPay
RuPayPlatinum₹500 / yearirctcrailrailway-loungerupaysingle-purposetier-unconfirmedupiunverified
Not yet verified against the issuer’s page — treat every figure below as provisional and confirm with the bank.
What the card gives you
- Travel rewards
- 10 pts/₹100
- Forex markup
- 3.5%
- Online rewards
- 1 pts/₹100
- Fuel cashback
- 1%
- Fuel cap
- ₹100 /mo
- Fuel minimum txn
- ₹500
- UPI rewards
- 1 pts/₹100
- Base earn
- 1 point/₹100 ≈ 0.25% back
- Travel accelerated
- 10× · at IRCTC
- Upi accelerated
- 1×
- Railway lounge access
- Complimentary railway lounge visits each quarter/qtr
- Credit card on UPI
- RuPay variant links to a UPI app
- Only worth it for regular rail travel
- The 10 percent applies to AC class tickets on IRCTC
The fine print that matters
- Accelerated travel
- 10 percent value back as reward points on AC class train tickets booked on IRCTC. A monthly reward cap applies; SBI Card revises it, so no figure is recorded here.
- Accelerated upi
- Reward points on UPI spends from the RuPay variant.
- Railway lounge access
- Complimentary railway lounge visits each quarter
- Credit card on UPI
- RuPay variant links to a UPI app
- Only worth it for regular rail travel
- The 10 percent applies to AC class tickets on IRCTC. Everything else on this card earns the base rate.
Hold this card? Add it to CardVeda with the rest of your wallet and see which card wins for lounge, dining, travel, online, fuel and UPI — after caps and milestones, not before.