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Comparison · हिन्दी

RBL Bank IRCTC vs IRCTC SBI Platinum

Both cards compared on real rupee returns for RBL IRCTC vs IRCTC SBI Platinum which better railway credit card India. We ran the numbers so you can make the right call.

Last updated: October 2026 · Based on current card terms
RBL
IRCTC
ASHOK KUMAR
VS
SBI
IRCTC PLATINUM
ASHOK KUMAR
Our verdict
IRCTC SBI Platinum Credit Card wins for most people
Card B dominates with ₹3,580 annual benefit versus Card A's ₹700, delivering 5x better value. Its 10% rewards on AC train tickets and transaction charge waiver make it the clear winner for this spend profile.
Side-by-side comparison
RBL Bank IRCTC Credit Card IRCTC SBI Platinum Credit Card ✓
Annual benefit ₹700 ₹3,580
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹500 + GST annual, no waiver stated ₹500 joining; ₹300 renewal from Year 2 (get 500 RP worth ₹500 annually, effectively free)
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 5 Reward Points per ₹200 on IRCTC train bookings via the IRCTC website or app (a real 2.5% return, since RBL values 1 Reward Point at ₹1 on its own portal); 3 Reward Points per ₹200 on FASTag recharge via RBL digital channels/NCMC reload/UTS app; 2 Reward Points per ₹200 on flights and hotels booked via IRCTC; 1 Reward Point per ₹200 everywhere else 10% value back as reward points on AC train tickets via IRCTC; 1.8% transaction charge waiver; 0.8% base (1 RP per ₹125)
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 8 railway lounge visits/year (2 per quarter) 4 railway lounge visits/year (1 per quarter)
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5% 3.5%
Best for Frequent IRCTC train travellers who will use the railway lounges and want cancellation protection, not a general-purpose rewards card Frequent AC train travellers who book on IRCTC website or app
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → Not publicly specified ₹20,000/month (salaried)
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → Not publicly specified 700+
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When each card wins
RBL Bank IRCTC Credit Card
Card A suits niche users who exclusively book non-AC trains on IRCTC and heavily use railway lounges for airport-like lounge benefits, which aren't captured in pure reward calculations.
IRCTC SBI Platinum Credit Card
Card B excels for anyone booking AC trains regularly via IRCTC, as the 10% rewards on these tickets alone generate substantial value, plus the transaction charge waiver offsets dining and shopping spend.
Who should get which card
Get RBL Bank IRCTC if you…
· Prefer non-AC train bookings on IRCTC
· Want railway lounge access and cancellation protection
· Make occasional IRCTC purchases only
Get IRCTC SBI Platinum if you…
· Frequently book AC trains via IRCTC
· Benefit from 10% rewards on train tickets
· Value transaction charge waiver across dining and shopping
Partner offer
IDFC FIRST Ashva Credit Card
Frequent travellers who book hotels and flights through the IDFC FIRST Bank app specifically, where the real redemption value is highest; weak for everyday spending outside the app
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IDFC
ASHOK KUMAR

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IRCTC SBI Platinum vs IRCTC SBI Card Premier →Axis Bank My Wings vs IRCTC SBI Platinum →Best Travel Credit Cards →Best Premium Credit Cards →Best Super Premium Credit Cards →
Frequently asked questions
Based on our analysis, IRCTC SBI Platinum Credit Card offers better annual returns for most spend profiles.
RBL Bank IRCTC Credit Card has an annual fee of ₹500 + GST annual, no waiver stated. IRCTC SBI Platinum Credit Card has an annual fee of ₹500 joining; ₹300 renewal from Year 2 (get 500 RP worth ₹500 annually, effectively free).
RBL Bank IRCTC Credit Card offers 5 Reward Points per ₹200 on IRCTC train bookings via the IRCTC website or app (a real 2.5% return, since RBL values 1 Reward Point at ₹1 on its own portal); 3 Reward Points per ₹200 on FASTag recharge via RBL digital channels/NCMC reload/UTS app; 2 Reward Points per ₹200 on flights and hotels booked via IRCTC; 1 Reward Point per ₹200 everywhere else. IRCTC SBI Platinum Credit Card offers 10% value back as reward points on AC train tickets via IRCTC; 1.8% transaction charge waiver; 0.8% base (1 RP per ₹125).
RBL Bank IRCTC Credit Card lounge access: 8 railway lounge visits/year (2 per quarter). IRCTC SBI Platinum Credit Card lounge access: 4 railway lounge visits/year (1 per quarter).
RBL Bank IRCTC Credit Card charges 3.5% forex markup. IRCTC SBI Platinum Credit Card charges 3.5% forex markup.