SBI Card · Visa

IRCTC SBI Card Platinum

Value back on IRCTC AC class bookings plus complimentary railway lounge access.

What we've verified

Long-form review pending — we publish depth only once we've read the full terms.

Joining fee ₹500 + GST, renewal ₹300 + GST.
No spend-based waiver, so the rewards have to cover the fee.
Headline earn rate: 10% on AC train tickets.
Includes complimentary airport lounge access (visit counts vary by tier and spend).

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Takes under a minute. We hand you off to SBI Card's official secure application — no middlemen, no data resold.