IRCTC SBI Card
EntrySBI Card
Where it ranks · across all 71 cards
#48 Online shopping0.8%direct#52 Groceries0.8%direct#52 Dining out0.8%direct
What a point is worth
Earning 1 pts / ₹125, the same point pays very differently by redemption path:
| Redemption path | Per point | Effective on spends |
|---|---|---|
| Bank travel portal | ₹1 | 0.80% |
1 RP = ₹1 against IRCTC ticket fare only (bank FAQ). Rankings across KaunsaCard use a single conservative value (₹1/pt = 0.80%); transfer ceilings assume premium-cabin awards and are never used to rank.
Reward rules
Points valued at ₹1/pt - conservative, what rankings use
Base rate - everything not covered below
1 pt / ₹125= 0.8 pts per ₹100
0.80%
conservative value
10% value back on IRCTC AC bookings
cashback
10.00%
effective
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) · 2026-08-20
Earns nothing on
- ⊘ Petrol pumps/service stations excluded.5172554159835542bank MCC list→ use MakeMyTrip ICICI here (1.0%)
- ⊘ E-wallet loads excluded w.e.f. 1 Jul 2020.65406541bank MCC list→ use SC Ultimate here (3.3%)
- ⊘ Rent excluded (T&C says w.e.f. 15 Apr 2024; bank FAQ says 1 Jul 2023 - bank sources conflict on the date, not the fact).65137349bank MCC list→ use Axis Burgundy Private here (4.5%)
- ⊘ Government transactions excluded w.e.f. 15 Jul 2024.93999311bank MCC list→ use PVR INOX Kotak here (3.0%)
- ⊘ Flexipay and Merchant EMI excluded.