SBI Card · Entry
IRCTC SBI Card
Where it ranks across all 187 cards
#1 Train tickets
10.0%
direct
#42 Insurance
0.8%
direct
#44 Education
0.8%
direct
#51 Utility bills
0.8%
direct
#66 Jewellery & watches
0.8%
direct
#74 Gaming
0.8%
direct
#81 Mobile / broadband
0.8%
direct
#93 Cabs & transit
0.8%
direct
#99 Other
0.8%
direct
#100 Health & pharmacy
0.8%
direct
#103 Electronics
0.8%
direct
#107 Hotels
0.8%
direct
#108 Flights
0.8%
direct
#111 Online shopping
0.8%
direct
#112 Fashion
0.8%
direct
#113 Food delivery
0.8%
direct
#114 Movies & events
0.8%
direct
#115 Groceries
0.8%
direct
#121 Dining out
0.8%
direct
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1 RP = ₹1 against IRCTC ticket fare only (bank FAQ)
Points valued at ₹1/pt - conservative, what rankings use
Reward rules2 direct
Base rate - everything not covered below
0.80%base rate
1 pt / ₹125
source
Source: IRCTC SBI Platinum Card page (sbicard.com) - sbicard.com - read 22 Aug 2026
10% value back on IRCTC AC bookings
10.00%this rule
10% cashback
how it works & source
On base fare only, AC1/AC2/AC3/CC/EC tickets booked at irctc.co.in or app with loyalty number linked. RPs valid 2 years; 1 RP = ₹1 of ticket fare.
Source: IRCTC SBI Platinum FAQ PDF (sbicard.com) - sbicard.com - read 20 Aug 2026
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
Earns nothing on5 exclusions
Fuel
earns nothing
Petrol pumps/service stations excluded.
→ use Kotak Cashback+ Credit Card here (3.0%)
detail & source
categories: Fuel · MCCs: 5172, 5541, 5983, 5542
Source: IRCTC SBI Card T&C e-kit (bank PDF) - sbicard.com - read 22 Aug 2026
Wallet load
earns nothing
E-wallet loads excluded w.e.f.
→ use SC Ultimate here (3.3%)
detail & source
1 Jul 2020.
categories: Wallet load · MCCs: 6540, 6541
Source: IRCTC SBI Card T&C e-kit (bank PDF) - sbicard.com - read 22 Aug 2026
Rent
earns nothing
Rent excluded (T&C says w.e.f.
→ use Axis Burgundy Private here (5.2%)
detail & source
15 Apr 2024; bank FAQ says 1 Jul 2023 - bank sources conflict on the date, not the fact).
categories: Rent · MCCs: 6513, 7349
Source: IRCTC SBI Card T&C e-kit (bank PDF) - sbicard.com - read 22 Aug 2026
Government / tax
earns nothing
Government transactions excluded w.e.f.
→ use Biz Black Metal Edition Credit Card here (3.3%)
detail & source
15 Jul 2024.
categories: Government / tax · MCCs: 9399, 9311
Source: IRCTC SBI Card T&C e-kit (bank PDF) - sbicard.com - read 22 Aug 2026
EMI
earns nothing
Flexipay and Merchant EMI excluded.
→ use Kotak Solitaire Credit Card here (3.0%)
detail & source
categories: EMI
Source: IRCTC SBI Card T&C e-kit (bank PDF) - sbicard.com - read 22 Aug 2026