IRCTC SBI Platinum 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 / Rs 125 spent; Other eligible non-fuel retail purchases: 1 Reward Point / Rs 125 spent
IRCTC BOBCARD
Rs 350Annual fee
0Domestic lounge
Domestic lounge conditions
- 4 complimentary partner railway lounge visits per year, limited to 1 per quarter
- The lounge benefit is for partner railway lounges only, not airport lounges, so loungeDomestic remains 0 to avoid mislabeling in airport-lounge UI.
3.5%Forex markup
Best for
irctc, railway lounge, grocery, departmental stores, travel
Top rewards
IRCTC train ticket bookings (via IRCTC website/app): Up to 40 reward points per Rs 100; Grocery and departmental store spends: 4 reward points per Rs 100; Other eligible spends: 2 reward points per Rs 100
| Feature | IRCTC SBI Platinum Card | IRCTC BOBCARD |
|---|---|---|
| Issuer | SBI Card | Bank of Baroda |
| Network | Visa | RuPay |
| Joining fee | Rs 500 | Rs 500 |
| Annual fee | Rs 500 | Rs 350 |
| Reward type | reward points | reward points |
| Best for | railway, irctc, travel, railway lounge, low fee | irctc, railway lounge, grocery, departmental stores, travel |
| Top reward categories | Eligible AC rail ticket bookings on IRCTC: 10 Reward Points / Rs 125 spent; Other eligible non-fuel retail purchases: 1 Reward Point / Rs 125 spent | IRCTC train ticket bookings (via IRCTC website/app): Up to 40 reward points per Rs 100; Grocery and departmental store spends: 4 reward points per Rs 100; Other eligible spends: 2 reward points per Rs 100 |
| SmartBuy / accelerated caps | Not listed | Not listed |
| Domestic lounge | 4 | 0 |
| International lounge | 0 | 0 |
| Forex markup | 3.5% | 3.5% |
| Milestone benefits | Not listed | 1,000 bonus reward points on a single transaction of Rs 1,000 or more within 45 days of card issuance |
| Redemption | Not listed | Statement credit: upto Rs 0.25 per point |
| Key exclusions | fuel, cash withdrawal, fees and charges, disputed transactions | fuel spends eligible for surcharge waiver do not earn reward points, IRCTC rewards require linking the card loyalty number with IRCTC login ID, taxes and charges excluded as per BOBCARD terms |