{
  "id": "sbi-irctc",
  "locale": "hi",
  "name": "IRCTC SBI Credit Card",
  "bank": "SBI Card",
  "cardType": "travel",
  "cardTier": "entry",
  "annualFee": "₹350 + GST",
  "loungeAccess": "4 रेलवे लाउंज / वर्ष (1/तिमाही)",
  "rewardsRate": "आईआरसीटीसी ट्रेन बुकिंग पर 10% तक वैल्यूबैक · 4 रेलवे लाउंज",
  "bestFor": "नियमित ट्रेन यात्री, AC ट्रेन टिकट बुकिंग और रेलवे एग्जीक्यूटिव लाउंज",
  "officialLink": "https://www.sbicard.com/en/personal/credit-cards/travel/irctc-sbi-card.page",
  "aiVerdict": {
    "score": 4.2,
    "summary": "Its modest reward rate and low annual fee offset limited lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "Limited lounge access compared with premium travel cards",
      "Data quality is PARTIAL, not fully live-verified"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 0.8,
  "affiliateId": "sbi-irctc",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "PARTIAL",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "SBI Card — IRCTC Platinum Card schedule of charges",
    "IRCTC & SBI Card — 10% train valueback and railway lounge terms"
  ],
  "feeWaiver": "कोई शुल्क माफी नहीं (350 वेलकम पॉइंट्स फीस की भरपाई करते हैं)",
  "networks": [
    "RuPay",
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "IRCTC ट्रेन वैल्यूबैक",
      "value": "10% तक रिवॉर्ड पॉइंट्स में"
    },
    {
      "key": "IRCTC सरचार्ज",
      "value": "टिकट पर 1% माफी"
    },
    {
      "key": "रेलवे लाउंज",
      "value": "4 विज़िट / वर्ष (1/तिमाही)"
    },
    {
      "key": "पॉइंट रिडेम्पशन",
      "value": "1 Pt = ₹1.00 मुफ्त टिकट"
    },
    {
      "key": "वार्षिक शुल्क",
      "value": "₹350 + GST"
    },
    {
      "key": "स्वागत उपहार",
      "value": "350 बोनस RP (₹350)"
    }
  ],
  "earnRates": [
    {
      "category": "IRCTC AC ट्रेन टिकट बुकिंग (AC1, AC2, AC3, CC)",
      "rate": "10.0% Valueback",
      "monthlyCap": "कोई सीमा नहीं",
      "perLakhSpent": "10,000 RP (₹10,000 ट्रेन टिकट मूल्य)"
    },
    {
      "category": "अन्य सभी सामान्य रिटेल खर्च",
      "rate": "0.8% (1 RP / ₹125)",
      "monthlyCap": "कोई सीमा नहीं",
      "perLakhSpent": "800 RP (₹800 value)"
    },
    {
      "category": "किराया और ईंधन",
      "rate": "0%",
      "monthlyCap": "शून्य (Excluded)",
      "perLakhSpent": "0 RP"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "IRCTC पोर्टल व ऐप (AC बुकिंग)",
      "multiplier": "10×",
      "rate": "10.0%",
      "monthlyCap": "कोई सीमा नहीं",
      "dailyCap": "—",
      "note": "बेस फेयर पर 10% वैल्यूबैक।"
    },
    {
      "channel": "1% IRCTC सरचार्ज माफी",
      "multiplier": "Waiver",
      "rate": "1.0%",
      "monthlyCap": "कोई सीमा नहीं",
      "dailyCap": "—",
      "note": "शून्य पेमेंट गेटवे सरचार्ज।"
    }
  ],
  "redemptionRoutes": [
    {
      "route": "मुफ्त IRCTC ट्रेन टिकट्स",
      "value": "₹1.00 / IRCTC Point",
      "minPoints": "₹0 (कोई न्यूनतम सीमा नहीं)",
      "ceiling": "कोई सीमा नहीं",
      "fee": "शून्य",
      "isBest": true
    }
  ],
  "exclusions": [
    "स्लीपर और जनरल टिकट (मानक 0.8% दर मिलती है)।",
    "किराया भुगतान (Rent pay)।",
    "पेट्रोल पंपों पर ईंधन खरीद (सरचार्ज माफी लागू)।"
  ],
  "feesDetail": [
    {
      "item": "जॉइनिंग शुल्क",
      "value": "₹350 + GST (350 बोनस अंक = ₹350 स्वागत उपहार)"
    },
    {
      "item": "वार्षिक नवीनीकरण शुल्क",
      "value": "₹350 + GST"
    },
    {
      "item": "फॉरेक्स मार्कअप",
      "value": "3.5% + GST"
    },
    {
      "item": "रिवॉल्विंग ब्याज दर",
      "value": "3.5% प्रति माह (42.0% वार्षिक)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "आयु सीमा",
      "requirement": "21 से 65 वर्ष"
    },
    {
      "criteria": "वेतनभोगी आय",
      "requirement": "₹20,000+ प्रति माह शुद्ध वेतन"
    },
    {
      "criteria": "स्वरोजगार आय",
      "requirement": "₹2.4 लाख से अधिक का ITR"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}