IRCTC SBI Premier Credit Card
State bank of india State bank of india

IRCTC SBI Premier Credit Card

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/assest/image/icons/rewards.svg Reward Points
/assest/image/icons/travel.svg Travel
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Joining Fee: ₹1499* Plus Applicable Taxes

Renewal Fee: ₹1499*Plus Applicable Taxes

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Reward Points Reward Points
Travel Travel
MyBankingTips Rating

Joining Fee: ₹1499* + Tax

Renewal Fee: ₹1499* + Tax

Welcome benefits:-

  1. Get 1500 RP equivalent to Rs. 1500 on payment of first annual fee.
  2. Customers gets welcome gift more than the cost of joining fee.

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About The Card Rewards Program Features & Benefits Fees & Charges Thinks We Know FAQs

About IRCTC SBI Premier Credit Card

The IRCTC SBI Card Premier is a co-branded travel credit card ideal for frequent train travelers. As a premium version of the IRCTC SBI Platinum Card, it offers up to 10% savings on train bookings, 1% transaction charge waiver, and reward points redeemable on IRCTC at 1 RP = ₹1.

You also get 1,500 welcome reward points (worth ₹1,500), milestone rewards worth ₹7,500 on annual spends of ₹1 lakh, and 8 complimentary railway lounge visits per year. This card is a great choice for regular IRCTC users looking to save on travel

The IRCTC SBI Card Premier is a good option for people who travel often by train and book tickets through the IRCTC website or app. It offers savings on train tickets, reward points, free railway lounge access, and travel insurance. You also get bonus points on reaching spending milestones. However, it’s not the right choice if you don’t travel by train regularly, as the rewards and benefits are mostly linked to IRCTC.

IRCTC SBI Premier Credit Card Rewards Program

Rewards Program

  • Earn 3 reward points per ₹125 on dining and utility bill standing instructions.
  • Get 1 reward point per ₹125 on other retail spends, including IRCTC bookings (Android app/website only).

Other Features and Benefits

Welcome Benefit
Get 1,500 reward points (worth ₹1,500) on payment of the first annual fee.

Travel Benefits

Value Back

  • Get 10% value back as reward points on train ticket bookings (AC1, AC2, AC3, Executive/Chair Car) via IRCTC (Android app/website).
  • 5% value back on air ticket and e-catering purchases through IRCTC.

Transaction Charge Waiver

Lounge Access
Enjoy 8 complimentary railway lounge visits per year (max 2 per quarter) at select lounges across India.

Milestone Benefits

  • Earn 2,500 points on annual travel spends of ₹50,000.
  • Earn 5,000 points on annual travel spends of ₹1,00,000.

Insurance Coverage

  • ₹10 lakh complimentary rail accident insurance.
  • ₹50 lakh complimentary air accident insurance.
  • ₹1 lakh fraud liability cover.

Fuel Surcharge Waiver
Get 1% fuel surcharge waiver on fuel spends between ₹500–₹4,000 (up to ₹250 per statement cycle) across all petrol pumps in India.

Fees and Charges

Type of FeeAmount
Annual FeeRs.1,499
Renewal FeeRs.1,499
Finance ChargesUp to 3.35% monthly
Add-On card feeNil
Cash advance fee
  1. 2.5% of the amount withdrawn or Rs.500 (Domestic ATMs)
  2. 2.5% of the amount withdrawn or Rs.500 (International ATMs)
Finance Charges3.50% per month or 42% per annum
Payment dishonor fee2% of the payment amount; minimum of Rs.450
Statement requestRs.100 per statement (more than 2 months old)
Cash payment feeRs.250
Late payment
  1. From Rs.0 to Rs.500 - Nil
  2. More than Rs.500 up to Rs.1,000 - Rs.400
  3. More than Rs.1,000 up to Rs.10,000 - Rs.750
  4. More than Rs.10,000 up to Rs.25,000 - Rs.950
  5. More than Rs.25,000 up to Rs.50,000 - Rs.1,100
  6. More than Rs.50,000 - Rs.1,300
Cheque payment feeRs.100
Over limit fee2.5% of the over limit amount; minimum of Rs.600
Rewards redemption feeRs.99
Foreign currency transaction3.50%

Things to Know Before you apply

Get this card if:

  • You want a card that gives back the ₹1,500 joining fee as 1,500 reward points.
  • You frequently travel by train and book via IRCTC.
  • You’d like to enjoy complimentary railway lounge access for a more comfortable journey.
  • You can spend ₹1 lakh annually to unlock milestone benefits worth 7,500 reward points.

Eligibility Criteria

  • Age: 21 to 70 years
  • Occupation: Salaried or Self-employed
  • Credit Score: Should have a good credit history

Document Required For IRCTC SBI Premier Credit Card

  • Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
  • Proof of Address: Aadhaar Card, Driver’s License, Passport
  • Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement

IRCTC SBI Premier Credit Card Hilights

What do we like about this card?

  • 1,500 reward points as a welcome gift (worth ₹1,500).
  • Up to 10% value back on IRCTC train ticket bookings.
  • Milestone rewards on annual travel spends (up to 7,500 points).
  • Complimentary rail accident insurance cover of up to ₹10 lakh.
  • 1% fuel surcharge waiver on eligible fuel spends.
  • 8 complimentary railway lounge visits per year (max 2 per quarter).

Pros

  • Reward points redeemable for IRCTC bookings at 1 RP = ₹1.
  • Generous 8 complimentary railway lounge visits annually.
  • Milestone rewards at achievable spends of ₹50,000 and ₹1 lakh.
  • Accelerated rewards on dining and utility bill payments.

Cons

  • Low reward rate on general/non-bonus category spends.
  • No airport lounge access or international travel benefits.
  • Not suitable for users who don’t frequently travel by train.
  • Reward redemption is limited to IRCTC bookings, offering less flexibility.
  • Annual fee waiver only on spends of ₹2 lakh or more.

SBI Bank Credit Card Contact Details

SBI Bank Credit Card offers multiple ways to get assistance for your credit card queries and services.

  • Contact Address: SBI Cards and Payment Services Limited, Wazirpur, New Delhi
  • Helpline: Dial 39 02 02 02 or 1860 180 1290 (prefix local STD code)
  • Simply SMS: Send an SMS to 5676791 from your registered mobile number.

Frequently Asked Questions

Everything you need to know about this credit card

Yes, the IRCTC SBI Card Premier requires applicants to submit a PAN Card as part of the documentation process. You will need to provide proof of identity, address proof, and income details to complete your application.

You can apply for the IRCTC SBI Card Premier by visiting the official SBI Card website or visiting the SBI branch.

If your IRCTC SBI Card Premier is lost or stolen, report it to SBI Credit Card customer service immediately to prevent unauthorized transactions. You can also request a replacement card for future use.

To track your application status for the IRCTC SBI Card Premier, visit the SBI Card website and enter your application number. You mayalso receive status updates via SMS on your registered mobile number.

Yes, the IRCTC SBI Card Premier offers an annual fee wavier if you spend Rs. 2 lakh or more within the year.

On paying the annual fee of Rs. 1,499, you receive 1,500 reward points, equivalent to Rs. 1,500 of the welcome gift. These points can be redeemed for IRCTC travel bookings and other benefits.

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