IRCTC on RuPay Credit Card
Rs 500Annual fee
0Domestic lounge
3.5%Forex markup
Best for
Railway, IRCTC, Travel, Rupay, Low Fee
Top rewards
Eligible Railway Ticket Bookings On IRCTC: 10 Reward Points / ₹100 spent; Other Eligible Non-Fuel Retail Purchases: 1 Reward Point / ₹125 spent
IRCTC Platinum Credit Card
Rs 500Annual fee
4Domestic lounge
Domestic lounge conditions
- 4 complimentary railway lounge visits per year in India, capped at 1 per quarter, for the primary cardholder.
3.5%Forex markup
Best for
Railway, IRCTC, Travel, Railway Lounge, Low Fee
Top rewards
Eligible AC Rail Ticket Bookings On IRCTC: 10 Reward Points / ₹125 spent; Other Eligible Non-Fuel Retail Purchases: 1 Reward Point / ₹125 spent
| Feature | IRCTC on RuPay Credit Card | IRCTC Platinum Credit Card |
|---|---|---|
| Issuer | SBI Card | SBI Card |
| Network | RuPay | Visa |
| Joining fee | Rs 500 | Rs 500 |
| Annual fee | Rs 500 | Rs 500 |
| Reward type | Reward Points | Reward Points |
| Best for | Railway, IRCTC, Travel, Rupay, Low Fee | Railway, IRCTC, Travel, Railway Lounge, Low Fee |
| Top reward categories | Eligible Railway Ticket Bookings On IRCTC: 10 Reward Points / ₹100 spent; Other Eligible Non-Fuel Retail Purchases: 1 Reward Point / ₹125 spent | Eligible AC Rail Ticket Bookings On IRCTC: 10 Reward Points / ₹125 spent; Other Eligible Non-Fuel Retail Purchases: 1 Reward Point / ₹125 spent |
| SmartBuy / accelerated caps | Not Listed | Not Listed |
| Domestic lounge | 0 | 4 |
| International lounge | 0 | 0 |
| Forex markup | 3.5% | 3.5% |
| Milestone benefits | Not Listed | Not Listed |
| Redemption | Not Listed | Not Listed |
| Key exclusions | fuel, cash withdrawal, fees and charges, disputed transactions | fuel, cash withdrawal, fees and charges, disputed transactions |