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 Fee | Amount |
|---|
| Annual Fee | Rs.1,499 |
| Renewal Fee | Rs.1,499 |
| Finance Charges | Up to 3.35% monthly |
| Add-On card fee | Nil |
| Cash advance fee | - 2.5% of the amount withdrawn or Rs.500 (Domestic ATMs)
- 2.5% of the amount withdrawn or Rs.500 (International ATMs)
|
| Finance Charges | 3.50% per month or 42% per annum |
| Payment dishonor fee | 2% of the payment amount; minimum of Rs.450 |
| Statement request | Rs.100 per statement (more than 2 months old) |
| Cash payment fee | Rs.250 |
| Late payment | - From Rs.0 to Rs.500 - Nil
- More than Rs.500 up to Rs.1,000 - Rs.400
- More than Rs.1,000 up to Rs.10,000 - Rs.750
- More than Rs.10,000 up to Rs.25,000 - Rs.950
- More than Rs.25,000 up to Rs.50,000 - Rs.1,100
- More than Rs.50,000 - Rs.1,300
|
| Cheque payment fee | Rs.100 |
| Over limit fee | 2.5% of the over limit amount; minimum of Rs.600 |
| Rewards redemption fee | Rs.99 |
| Foreign currency transaction | 3.50% |
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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
Eligibility Criteria
- Age: 21 to 70 years
- Occupation: Salaried or Self-employed
- Credit Score: Should have a good credit history
IRCTC SBI Premier Credit Card Highlights
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).
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.
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.
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Frequently Asked Questions
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.
