IRCTC SBI Card Premier
Updated on August 25, 2026
🎖️Reward Rate
Base Rewards: 3 Reward Points per ₹125 (3 Reward Points per ₹125 spent on Dining and standing instructions on Utility spends)
Overview
IRCTC SBI Card Premier by SBI Card provides premium value tailored for Co-brand/Travel cardholders.
Rewards
Reward Type
Air Miles
Reward Rate
- • Base Rewards: 3 Reward Points per ₹125 (3 Reward Points per ₹125 spent on Dining and standing instructions on Utility spends)
- • 1 Reward Point per ₹125 (1 Reward Point per ₹125 on other retail spends)
- • Accelerated Rewards: Up to 10% value back as Reward Points on buying train tickets through IRCTC App and Website for AC1, AC2, AC3, Executive Chair car, and Chair Car.
- • Excluded Categories: Fuel transactions, Wallet loads
Welcome Benefit
Get 1,500 reward points worth ₹1,500 as Welcome Benefit upon payment of joining fee + ₹500 cashback on first train ticket booked within 45 days.; Qualification Criteria: Payment of annual joining fee within 30 days of card issuance; Fulfillment Timeline: Credited to card account within 45 days of fee realization
Milestone Benefit
Spend ₹50,000 (Annual): 2,500 Reward Points on annual travel spends of ₹50,000; Spend ₹1 Lakhs (Annual): 5,000 Reward Points on annual travel spends of ₹1,00,000 (1 Lakh); Spend ₹2 Lakhs (Annual): Spend based reversal of annual renewal fee of ₹1,499 on spends of ₹2 Lakhs in anniversary year; Annual Fee Waiver: Spend ₹2,00,000 or more in preceding 12 months for fee waiver
Redemption
- • Redeem 1:1 against free train tickets on irctc.co.in and IRCTC Rail Connect App (1 RP = ₹1.00)
- • SBI Card catalog for shopping vouchers & merchandise
Benefits
- Domestic Airport Lounge: 8 per year (2 per calendar quarter at IRCTC Executive Railway Lounges) via IRCTC Executive Railway Lounge Access
- Fuel Surcharge Waiver: 1% (Max waiver ₹100 per cycle)
- Complimentary Fraud Liability Cover: Complimentary Fraud Liability cover of ₹1 Lakh against unauthorized transactions from time of loss reporting. (₹1,00,000 cover against fraud liability) [Partners: SBI Card Partner Insurance]
- 1% Transaction Fee Surcharge Waiver: 1% transaction surcharge waiver on railway ticket bookings at irctc.co.in and IRCTC mobile app. (Direct savings at checkout on IRCTC portal) [Partners: IRCTC]
- 1% Fuel Surcharge Waiver: 1% fuel surcharge waiver on all petrol pumps in India for transactions between ₹500 - ₹4,000. (Up to ₹100 per statement cycle) [Partners: All Fuel Outlets]
Things to Know Before you apply
IRCTC SBI Card Premier Eligibility Criteria
- Age: 21–65 years
- Salaried min ₹25,000/month; Self-employed min ITR ₹4,00,000 p.a.
- Salaried & Self-Employed Individuals
- Resident Indian
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹1,499 |
| Annual Fee | ₹1,499 |
| Foreign Currency Mark-up Fee | 3.5% |
| Cash Advance Fee | 2.5% (min ₹500) |
Fee waiver: Spend ₹2,00,000 or more in preceding 12 months for fee waiver
PaisaSimple Review
Overall Rating
4.9/5What do we like about this card?
IRCTC SBI Card Premier issued by SBI Card is one of India's leading credit cards for Co-brand/Travel spends, featuring competitive reward earning and verified travel perks.
Pros
- • Base Rewards: 3 Reward Points per ₹125 (3 Reward Points per ₹125 spent on Dining and standing instructions on Utility spends)
- • 1 Reward Point per ₹125 (1 Reward Point per ₹125 on other retail spends)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
Cons
- • Annual renewal fee of ₹1499
- • Reward exclusion on fuel purchases and wallet load transactions
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- • Get 1,500 reward points worth ₹1,500 as Welcome Benefit upon payment of joining fee + ₹500 cashback on first train ticket booked within 45 days.
- • Qualification Criteria: Payment of annual joining fee within 30 days of card issuance
- • Fulfillment Timeline: Credited to card account within 45 days of fee realization
- • 1,500 bonus Travel Miles upon payment of joining fee within 60 days
- • Qualification Criteria: Joining fee payment within 60 days
- • Fulfillment Timeline: 30-45 days post fee realization
- • 1,000 bonus Reward Points (worth ₹250) + ₹1,000 ixigo travel vouchers upon completing first transaction within 30 days of card setup
- • Qualification Criteria: First transaction within 30 days of card issuance
- • Fulfillment Timeline: 30 days post first spend
- • Base Rewards: 3 Reward Points per ₹125 (3 Reward Points per ₹125 spent on Dining and standing instructions on Utility spends)
- • 1 Reward Point per ₹125 (1 Reward Point per ₹125 on other retail spends)
- • Accelerated Rewards: Up to 10% value back as Reward Points on buying train tickets through IRCTC App and Website for AC1, AC2, AC3, Executive Chair car, and Chair Car.
- • Excluded Categories: Fuel transactions, Wallet loads
- • Base Rewards: 2 Travel Miles per ₹200 (2 Travel Miles per ₹200 on all standard retail spends)
- • Accelerated Rewards: 6 Travel Miles per ₹200 on Travel spends (flight, hotel, and travel aggregator bookings)
- • Excluded Categories: Fuel, Wallet loads
- • Base Rewards: 20 Reward Points per ₹100 (20 Reward Points per ₹100 on train bookings via ixigo app (5% reward rate))
- • 10 Reward Points per ₹100 (10 Reward Points per ₹100 on flight, bus, and hotel bookings on ixigo)
- • 5 Reward Points per ₹100 (5 Reward Points per ₹100 on all other online purchases)
- • 2 Reward Points per ₹100 (2 Reward Points per ₹100 on all offline retail transactions)
- • Accelerated Rewards: 0% Zero Forex Markup on international transactions + 20 Reward Points per ₹100 on train bookings via ixigo. 1 pt = ₹0.25.
- • Excluded Categories: Fuel, Rent, Wallet loads
- • Base Rewards: 3 Reward Points per ₹125 (3 Reward Points per ₹125 spent on Dining and standing instructions on Utility spends)
- • 1 Reward Point per ₹125 (1 Reward Point per ₹125 on other retail spends)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Base Rewards: 2 Travel Miles per ₹200 (2 Travel Miles per ₹200 on all standard retail spends)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Base Rewards: 20 Reward Points per ₹100 (20 Reward Points per ₹100 on train bookings via ixigo app (5% reward rate))
- • 10 Reward Points per ₹100 (10 Reward Points per ₹100 on flight, bus, and hotel bookings on ixigo)
- • 5 Reward Points per ₹100 (5 Reward Points per ₹100 on all other online purchases)
- • 2 Reward Points per ₹100 (2 Reward Points per ₹100 on all offline retail transactions)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Annual renewal fee of ₹1499
- • Reward exclusion on fuel purchases and wallet load transactions
- • Annual renewal fee of ₹1499
- • Reward exclusion on fuel purchases and wallet load transactions
- • Annual renewal fee of ₹999
- • Reward exclusion on fuel purchases and wallet load transactions