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IRCTC · Co-branded
IRCTC Credit Cards in India 2026
Best credit card for IRCTC train bookings — IRCTC SBI Platinum waives the 1.8% IRCTC convenience fee.
IRCTC SBI Platinum Credit Card waives the 1.8% IRCTC convenience fee on IRCTC.co.in bookings — a flat saving on every ticket booked online. Earns 10% IRCTC Royalty Points on AC1/AC2/AC3 bookings (worth ₹1 each, redeemable on IRCTC), 1% on all other spends. Free railway lounge access at major stations (Mumbai/Delhi/Chennai/Kolkata). ₹500 annual fee waived on ₹2L annual spend. The convenience-fee waiver alone justifies the card for frequent rail travelers — ₹360 saved on a ₹20K booking. Most aggregator content forgets to mention IRCTC also has SBI Premier (₹1,500 fee), Easy Trip co-brand variants — but Platinum is the value sweet spot.
1.8% IRCTC convenience-fee waiver + 10% on AC bookings, 1% elsewhere
IRCTC Royalty Points (1pt = 1₹ on IRCTC)
Points redeemable only for IRCTC train tickets (not flights). If your travel mix shifts to flights, the points sit idle. AC1/AC2/AC3 only for accelerated rate — Sleeper/2S earn just 1%.
Skip this card if…
- You book trains <4× a year — convenience-fee savings won't compound
- You only book Sleeper/2S — accelerated rate is AC-only
- Royalty Points can't be used for non-train spends