IRCTC SBI Card Premier is a co-branded credit card that SBI Card and IRCTC have introduced. This card offers somewhat better benefits than the IRCTC SBI Platinum Credit Card, which was introduced earlier. It is one of the few cards available that is made to provide advantages when traveling by train. With this credit card, you can get free access to train lounges, increased reward points on IRCTC reservations, free insurance, and much more.
This is a multi-category credit card that pays cashback to the cardholder on purchases of train tickets, among other incentives. In addition, the IRCTC SBI Card Premier has advantages in the categories of reward points, insurance, and fuel. Spending Rs. 125 on dining and utilities will earn you up to 3 Reward Points. Additionally, this card offers you exclusive travel privileges including free annual access to railway lounges, interesting bonuses at over 5,000 hotels globally, discounts on IRCTC train and flight ticket bookings, and much more.
Key Highlights of IRCTC SBI Card Premier |
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| Best Suited For | Travel |
| Joining Fee | Rs. 1,499 |
| Renewal Fee | Rs. 1,499 (Reversed on spending Rs. 2 lakh in a year) |
| Welcome Benefit | Get 1500 Reward Points equivalent to INR 1500 on payment of first annual fee (1 Reward Point= ₹ 1) |
| Reward Benefits |
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| Milestone benefits | Earn 2,500 Reward Points on annual travel spends* of Rs. 50,000 |
| Best Feature | 10% value back on ticket bookings via IRCTC * |
*Terms and conditions apply.
| Table of Contents | ||
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| Features and Benefits | ||
| Fees and Charges | ||
| Eligibility and Documentation | ||
| Should you get this Card? | ||
| Other Similar Credit Cards | ||
| FAQs | ||
Suggested Read : 10 Best SBI Credit Cards in India
Also read: Best Rewards Credit Cards in India
You'll receive value back on train tickets, air tickets, and e-catering purchases made through IRCTC. Here are the specifics:
You can enjoy exclusive travel discounts on all your bookings through IRCTC with the following benefits:
You have the opportunity to earn up to 3X reward points on transactions in specific categories, as outlined below:
You have the opportunity to earn up to 5,000 reward points and have your annual fee reversed by reaching specific spending milestones, as follows:
*The reward points will be credited within 15 days of achieving spends.
| How to Redeem SBI Reward Points? |
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If you visit the official SBI Card website, you can use the reward points you've earned on your credit cards online. Visiting the partner merchant store is another way to redeem them. For an alternative method of redeeming your reward points, you can also call the SBI Card helpdesk 39020202 (prefix local STD code). Up until a specified limit, points can be redeemed in multiples of 2000. |
In addition to reward points and travel benefits, this credit card offers a range of other valuable advantages, as outlined below:
Below mentioned are the fees and charges associated with SBI IRCTC Premier Card:
| Type of Fee/ Charge | Amount | |
|---|---|---|
| Joining Fee | Rs. 1,499 | |
| Annual/ Renewal Fee | Rs. 1,499 (Reversed on annual spends of Rs. 2 lakh) | |
| Finance Charges | 3.5% p.m. (42% p.a.) | |
| Add-on Fee (per annum) | Nil | |
| Late Payment Charges** |
For Statement Balance
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| Card replacement fee | Rs.100 | |
| Cash payment fee | Rs.250 + taxes | |
| Cash advance fee | 2.5% or Rs. 500 whichever is higher | |
| Missed payment charges | Rs.100 | |
**An additional late payment charge of Rs. 100 will be levied on missing payment of Minimum Amount Due (MAD) by the due date for two consecutive cycles. This charge will continue to be levied for every payment cycle until the MAD is cleared.
Eligibility Criteria for IRCTC SBI Card Premier
Documents Required to Apply for SBI Prime Credit Card
The IRCTC SBI Card Premier is an excellent choice for frequent travelers who often book through the IRCTC app or website. It not only rewards you for ticket bookings but also offers benefits like complimentary access to railway lounges each year.
Overall, it's a fantastic card for those who travel frequently, especially if you can spend Rs. 2 lakh annually on travel bookings to avoid the Rs. 1,499 renewal fee. However, if you don't book through IRCTC regularly, this card may not be the best fit for you. If you prefer a credit card with a lower annual fee, you can also consider the IRCTC SBI Platinum Card.
Planning to apply for IRCTC SBI Credit Card, Apply Now.
A few of the similar credit cards are mentioned in the table below:
| Credit Card | Annual Fee | Key Feature |
|---|---|---|
| HDFC Bharat Cashback Credit Card | Rs. 500 | 5% cashback on train ticket bookings through IRCTC website or app |
| IRCTC Rupay SBI Card | Rs. 300 | Up to 10% value back on rail ticket bookings through IRCTC |
| MakeMyTrip ICICI Bank Platinum Credit Card | Nil | Up to 3 My Cash per Rs. 200 spent on MakeMyTrip |
| HDFC Bank Diners Club Rewardz Credit Card | Rs. 1,000 | 3 reward points per Rs. 150 spent |
| Air India SBI Platinum Credit Card | Rs. 1,499 | Up to 15 reward points per Rs. 100 spent on Air India tickets booked through Air India website or app |
The bank determines the credit limit for the IRCTC SBI Card Premier at its discretion. Before issuing a credit limit, the State Bank of India considers several variables, including the principal applicant's credit score, credit use percentage, and prior debt payback patterns.
A 1% fuel surcharge waiver, up to a maximum of Rs. 250 every statement cycle, is available for all of your transactions at gas stations. The waiver of the fuel surcharge is only available for transactions ranging between Rs. 500 and Rs. 4,000, however.
Yes, the Rs. 1,499 yearly charge would be removed if you spend Rs. 2 lakh in a year.
No, there is no charge for the add-on credit card.
When you pay the Rs. 1,499 annual fee, you get 1,500 reward points. Since 1 reward point is equal to Re.1, you can use 1,500 reward points to get Rs. 1,500.
Yes, you must provide the necessary paperwork to obtain this credit card, including evidence of identity, proof of address, and proof of income. You can present your driver's license, voter ID card, PAN card, Aadhaar card, and other acceptable documentation as identification proof.
Usually, you will receive an SMS on your registered cellphone number from the bank informing you of the updated application status. You can visit the SBI Card official website and enter your application number to track the status of your application. In addition, you can ask about the status of your application by calling customer service.
You can go to the SBI Card website to apply online for the SBI IRCTC Premier Credit Card. You can apply offline for this credit card as well, according to the bank. To do this, go to any of the bank's closest branches and submit in an application that has been properly completed and all necessary supporting documentation.
The bank does actually permit you to have multiple credit cards. Nevertheless, in order to apply for this credit card, you have to fulfill the requirements established by the bank. Additionally, the bank prefers awarding credit cards to customers with high credit scores (750+).
To protect yourself against any fraudulent transactions, you need to notify the bank as soon as you become aware that your credit card has been lost. To report your loss and stop your credit card, you can give the SBI Credit Card customer service number a call. You have the option to request that the agent send you a new card.
1 reward point for the IRCTC SBI Card Premier is equivalent to Re. 1.
For every Rs. 125 you spend on dining or standing orders for utility bills, you will receive 3 Reward Points.
Please click the links below to find details and instructions related to SBI Credit Cards that can help you in easily managing your card:
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