About IRCTC SBI Premier Credit Card
IRCTC SBI Card Premier is a co-branded travel credit card designed to offer benefits on railway bookings. This SBI credit card is the premium variant of IRCTC SBI Platinum Credit Card and comes with enhanced features for frequent train travellers.
With this card, you can save up to 10% on train ticket bookings, along with a 1% transaction charge waiver on IRCTC bookings. These savings are earned as reward points, which can be redeemed against IRCTC tickets at a value of ₹1 per point.
The card also offers milestone benefits worth up to ₹7,500 on annual spends of ₹1 lakh, along with a welcome benefit of 1,500 reward points that compensates for the joining fee. These features make it a rewarding option for regular users.
Additionally, you can avail complimentary railway lounge access, which adds comfort to your journeys. Overall, this card is a great choice for frequent domestic travellers who prefer train travel and want to maximise savings on IRCTC bookings.
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).
Suggested Read: Best Rewards Credit Cards for Everyday Spending
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 Benefits
- Earn 10% value-back as reward points on AC1, AC2, AC3, Executive Chair Car and Chair Car ticket bookings via IRCTC website or mobile app
- Get 5% value-back on air ticket bookings through IRCTC
- Earn 5% value-back on e-catering orders via IRCTC
Transaction Charge Waiver
- Save 1% transaction charges on railway ticket bookings via IRCTC
- Save 1.8% transaction charges on airline ticket bookings via IRCTC
Also Check: Best Travel Credit Cards
Lounge Access Benefits
- Get 8 complimentary railway lounge visits per year across participating lounges in India (max. 2 per quarter)
Also Check: Best Lounge Access Credit Cards
Milestone Benefits
- Get 2,500 reward points on annual travel spends of ₹50,000
- Earn 5,000 reward points on annual travel spends of ₹1 Lakh
Also Read: Best Milestone Benefits Credit Cards
Insurance Coverage
- Complimentary rail accident insurance cover of ₹10 Lakh
- Complimentary air accident insurance cover of ₹50 Lakh
- Fraud liability cover of up to ₹1 Lakh
Fuel Surcharge Waiver
- Save 1% on fuel surcharge across all petrol pumps in India, up to ₹250 per statement (on transactions between ₹500 and ₹4,000)
Also Read: Best Fuel Credit Cards
Fees and Charges
| Type of Fee | Amount |
|---|
| Annual Fee | Rs.1,499 |
| Renewal Fee | Rs.1,499 |
| Finance Charges | 3.75% p.m. (45% p.a.) |
| 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
Click here to know More Terms and Conditions
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?
- Get 1,500 reward points as a welcome gift (worth ₹1,500)
- Earn up to 10% value-back on IRCTC train ticket bookings
- Enjoy milestone rewards on annual travel spends (up to 7,500 points)
- Complimentary rail accident insurance cover of up to ₹10 Lakh
- Save 1% on fuel surcharge on eligible fuel transactions
- Get 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
- Redeem reward points for IRCTC bookings at a 1:1 value
- Get frequent complimentary railway lounge access
- Earn accelerated rewards on dining and utility spends
- Achievable milestone benefits at ₹50,000 and ₹1 lakh spends
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
For Further Support: Contact SBI Customer Care Center
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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.
