{
  "id": "sbi-irctc",
  "locale": "hinglish",
  "name": "IRCTC SBI Credit Card",
  "bank": "SBI Card",
  "cardType": "travel",
  "cardTier": "entry",
  "annualFee": "₹350 + GST",
  "loungeAccess": "4 Railway Lounges / year (1/qtr)",
  "rewardsRate": "IRCTC train bookings par up to 10% valueback · 4 railway lounges",
  "bestFor": "Frequent train travelers, AC train ticket bookings & railway executive lounges",
  "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": "Koi fee waiver nahi (welcome 350 points fee offset karte hain)",
  "networks": [
    "RuPay",
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "IRCTC Train Valueback",
      "value": "Up to 10% in Reward Pts"
    },
    {
      "key": "IRCTC Surcharge",
      "value": "1% Waiver on Tickets"
    },
    {
      "key": "Railway Lounges",
      "value": "4 visits / year (1/qtr)"
    },
    {
      "key": "Point Redemption",
      "value": "1 Pt = ₹1.00 Free Ticket"
    },
    {
      "key": "Annual Fee",
      "value": "₹350 + GST"
    },
    {
      "key": "Welcome Gift",
      "value": "350 Bonus RP (₹350)"
    }
  ],
  "earnRates": [
    {
      "category": "IRCTC AC Train Ticket Bookings (AC1, AC2, AC3, CC)",
      "rate": "10.0% Valueback",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "10,000 RP (₹10,000 train ticket value)"
    },
    {
      "category": "All Other Domestic Retail Spends",
      "rate": "0.8% (1 RP / ₹125)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "800 RP (₹800 value)"
    },
    {
      "category": "Fuel & Rent",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 RP"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "IRCTC Portal & App (AC Bookings)",
      "multiplier": "10×",
      "rate": "10.0%",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "10% valueback on ticket base fare."
    },
    {
      "channel": "1% IRCTC Surcharge Waiver",
      "multiplier": "Waiver",
      "rate": "1.0%",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "Zero payment gateway surcharge on IRCTC."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Free IRCTC Train Tickets",
      "value": "₹1.00 / IRCTC Point",
      "minPoints": "₹0 (No minimum)",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    }
  ],
  "exclusions": [
    "Sleeper and unreserved ticket classes (earn standard 0.8% rate).",
    "Rent payments.",
    "Fuel transactions (1% surcharge waiver on ₹500–₹3,000)."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹350 + GST (350 Bonus Reward Points = ₹350 welcome gift)"
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹350 + GST"
    },
    {
      "item": "Forex Markup",
      "value": "3.5% + GST"
    },
    {
      "item": "Finance Charges",
      "value": "3.5% / month (42.0% / year)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age",
      "requirement": "21–65 years"
    },
    {
      "criteria": "Salaried Income",
      "requirement": "₹20,000+ monthly net salary"
    },
    {
      "criteria": "Self-Employed Income",
      "requirement": "ITR above ₹2.4 Lakhs per annum"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}