IndiaBanks.org · independent research

Credit cards

Platinum Card

An travel card offering up to 10% value back on eligible online AC rail bookings, 1 Reward Point per ₹125 on eligible retail spends, four railway-lounge visits yearly and a ₹500 annual fee.

Cashback / value backUp to 10% value back as Reward Points on eligible online AC rail tickets booked through IRCTCIRCTC rewardsUp to 10% value back as Reward Points on eligible AC1, AC2, AC3, Executive Chair Car and Chair Car tickets booked through the IRCTC website or app; 1 Reward Point per ₹125 on eligible non-fuel retail spendsOffers and promotional benefitsActivation benefit: 350 bonus Reward Points on a single transaction of ₹500 or more within 60 days of card issuance; Renewal benefit: 500 Reward Points on payment and realisation of the renewal fee
Official product page ↗Compare category

Quick eligibility check

Platinum Card

0 of 9 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Are you aged 21 to 70?

Published source: Eligibility

2Does your annual income meet this requirement: income documents may be requested based on card eligibility and policy?

Published source: Income eligibility

3Do you meet this requirement: final approval is assessed by SBI Card?

4Does your annual income meet this requirement: The reviewed pages do not publish a universal rupee minimum-income threshold?

5Do you meet this requirement: The cardholder must use the linked IRCTC account and meet the fare, booking, passenger and loyalty-account conditions for ticket rewards?

6Document checkDo you have this required document or proof: PAN Card?

Published source: Eligibility

7Document checkDo you have at least one of these required documents: Aadhaar Card with first 8 digits masked or another valid government address proof?

Published source: Eligibility

8Document checkDo you have at least one of these required documents: Income or employment documents when requested?

Published source: Eligibility

9Document checkDo you have this required document or proof: Recent photograph when requested?

Published source: Eligibility
0 of 9 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 1 Sept 2026 · active
Offered byState Bank of India

India, subject to Cards and Payment Services Limited approval

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Annual and renewal fee₹500 + applicable taxesView source
The product page lists annual and renewal fees of ₹500 plus applicable taxes.
Source
Platinum Card — official product page
Page / section
Credit Card Fees and Charges
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Renewal fee waiverNo spend-based renewal-fee waiver is listed in the current product page or MITC fee rowView source
The controlling fee table lists ₹500 annual and renewal fees without a waiver condition.
Source
Card Most Important Terms and Conditions
Page / section
Annual and renewal fee table — Platinum Card
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
IRCTC rewardsUp to 10% value back as Reward Points on eligible AC1, AC2, AC3, Executive Chair Car and Chair Car tickets booked through the IRCTC website or app; 1 Reward Point per ₹125 on eligible non-fuel retail spendsView source
The page publishes up to 10% value back and one point per ₹125 on other eligible non-fuel retail purchases.
Source
Platinum Card — official product page
Page / section
Exclusive privileges and Explore Rewards
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Activation benefit350 bonus Reward Points on a single transaction of ₹500 or more within 60 days of card issuanceView source
The issuer page specifies the activation transaction, amount and 60-day window.
Source
Platinum Card — official product page
Page / section
Exclusive privileges — activation
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Renewal benefit500 Reward Points on payment and realisation of the renewal feeView source
The product page lists 500 points after renewal-fee payment and realisation.
Source
Platinum Card — official product page
Page / section
Exclusive privileges — renewal
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Railway lounge accessFour complimentary railway-lounge visits per year in India, maximum one per quarter, for the primary cardholderView source
The issuer publishes four annual railway-lounge visits with a one-per-quarter limit.
Source
Platinum Card — official product page
Page / section
Exclusive privileges — railway lounge
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Fuel-surcharge waiver1% on fuel transactions from ₹500 to ₹3,000, capped at ₹100 per statement cycleView source
The page specifies the qualifying transaction range and ₹100 statement-cycle maximum.
Source
Platinum Card — official product page
Page / section
Exclusive privileges — fuel surcharge waiver
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
NetworkVisaView source
The product page identifies Visa acceptance and Visa PayWave contactless technology.
Source
Platinum Card — official product page
Page / section
Other features — international acceptance
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Maximum annual finance chargeUp to 45% per annum for unsecured cardsView source
The issuer states 3.75% per month, equivalent to 45% per annum, for unsecured cards.
Source
Card Most Important Terms and Conditions
Page / section
Extended Credit — Finance Charges
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
EligibilityBasic SBI Card criteria: age 21–70, salaried or self-employed occupation, regular income and good credit profile; final approval is subject to SBI Card assessmentView source
The issuer lists age, occupation, regular income and good credit score as basic criteria.
Source
Card online application eligibility
Page / section
— How to check my credit card eligibility
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Income eligibilityNo universal rupee minimum-income threshold is published; income documents may be requested based on card eligibility and policyView source
The issuer publishes regular income as a criterion but does not publish a universal rupee threshold.
Source
Card online application eligibility
Page / section
— eligibility and documents required
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Offers and promotional benefitsActivation benefit: 350 bonus Reward Points on a single transaction of ₹500 or more within 60 days of card issuance; Renewal benefit: 500 Reward Points on payment and realisation of the renewal feeView source
Combined from the product’s manually reviewed welcome, milestone and renewal-benefit facts; see each issuer source for eligibility and fulfilment terms.
Source
Platinum Card — official product page
Page / section
Exclusive privileges — activation
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Monthly finance chargeUp to 3.75% per month for unsecured cardsView source
The current publishes a maximum 3.75% monthly finance charge for unsecured cards.
Source
Card Most Important Terms and Conditions
Page / section
Extended Credit — Finance Charges
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Foreign-currency markup3.5% dynamic-currency-conversion fee under the current MITC general ruleView source
The lists a 3.5% dynamic-currency-conversion fee for cards outside its named lower-markup exceptions.
Source
Card Most Important Terms and Conditions
Page / section
Dynamic currency conversion fee
Accessed
1 Sept 2026
Confidence
medium
Open official source ↗
Cashback / value backUp to 10% value back as Reward Points on eligible online AC rail tickets booked through IRCTCView source
The issuer page publishes up to 10% value back on eligible online AC tickets.
Source
Platinum Card official product page
Page / section
rewards
Accessed
1 Sept 2026
Confidence
high
Open official source ↗

Benefits and features

  • Up to 10% value back on eligible online AC ticket base fare
  • 350 activation Reward Points after ₹500 spend within 60 days
  • 1 Reward Point per ₹125 on eligible non-fuel retail spends
  • four complimentary railway-lounge visits per year
  • 1% fuel-surcharge waiver up to ₹100 per statement cycle

Eligibility

  • Card publishes age 21–70, salaried or self-employed occupation, regular income and good credit profile as basic criteria; final approval is assessed by Card.
  • The reviewed pages do not publish a universal rupee minimum-income threshold.
  • The cardholder must use the linked account and meet the fare, booking, passenger and loyalty-account conditions for ticket rewards.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

  • Card
  • Aadhaar Card with first 8 digits masked or another valid government address proof
  • Income or employment documents when requested
  • Recent photograph when requested

Related official documents

SBI Card current credit-card application catalogueofficial-product-catalogue · current · accessed 1 Sept 2026
↗
SBI Card online application eligibility and document requirementsofficial-eligibility-page · current · accessed 1 Sept 2026
↗
SBI Card Key Fact Statementkey-fact-statement · current · accessed 1 Sept 2026
↗
SBI Card Most Important Terms and Conditionsmost-important-terms-and-conditions · current · accessed 1 Sept 2026
↗
IRCTC SBI Platinum Card — official product pageofficial-product-page · current · accessed 1 Sept 2026
↗

Plan before applying

Try the numbers

Private, instant and based on the values you enter.

Try your numbers

Credit-card interest estimate

See roughly how much interest may be added if part of the card bill remains unpaid for one month.

Interest added for one month₹1,875one thousand eight hundred seventy-five rupees
Balance after that interest₹51,875fifty-one thousand eight hundred seventy-five rupees
Monthly rate × 1245%

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

Platinum Card · Annual / renewal fee₹500 / ₹500

This value is copied from card fee and reward comparison. Check the table notes before relying on it.

Source: Card Most Important Terms and Conditions and product sources · Annual and renewal fee table; product reward sections Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 2 rows · 5 columnsIRCTC SBI card fee and reward comparisonCurrent fee and product-page reward facts for the two reviewed IRCTC products.View tableHide table

Scroll sideways to view every column

IRCTC SBI card fee and reward comparison
ProductAnnual / renewal feeRailway rewardOther retail rewardLounge
Platinum Card₹500 / ₹500Up to 10% on eligible online AC fares1 point per ₹1254 railway visits per year; max 1 per quarter
Card Premier₹1,499 / ₹1,499; renewal reversed at ₹2 lakh spend10 points per ₹100 on eligible online AC base fare1 point per ₹125Product page terms to be confirmed from the current lounge programme
  • ticket rewards depend on linked loyalty account, eligible classes, online booking and base-fare conditions. The Premier booklet records discontinued accident covers separately.
Card Most Important Terms and Conditions and product sources · Annual and renewal fee table; product reward sections · accessed 1 Sept 2026Open official source ↗

More from State Bank of India

Related products

Apollo SBI Card

A health and lifestyle rewards card with Apollo discounts, accelerated Apollo, dining and entertainment rewards, OneApollo Gold membership and a ₹499 annual fee.

View product

Apollo SBI Card SELECT

A premium health and lifestyle card with Apollo Circle benefits, accelerated Apollo rewards, fitness and health-check benefits, domestic lounge access and a ₹1,499 annual fee.

View product

BPCL SBI Card

A fuel rewards card offering reward-point value back and fuel-surcharge waiver at , accelerated everyday rewards and a ₹499 annual fee.

View product

BPCL SBI Card OCTANE

A premium fuel rewards card with enhanced and Bharatgas rewards, everyday accelerated rewards, an annual milestone, domestic lounge access and a ₹1,499 annual fee.

View product