IRCTC SBI Card Premier
Updated on August 25, 2026
🎖️Reward Rate
Reward Rate — Dining & Utility (standing instructions): 3 Reward Points per ₹125
Overview
Card Name: 'IRCTC SBI Card Premier' on both sources
Rewards
Reward Type
Reward Points
Reward Rate
- • Reward Rate — Dining & Utility (standing instructions): 3 Reward Points per ₹125
- • Reward Rate — Other Retail Spend: 1 Reward Point per ₹125 (non-fuel)
- • Accelerated Rewards — IRCTC Ticket Booking: Up to 10% value back as Reward Points on AC1/AC2/AC3/Executive Chair Car/Chair Car bookings via IRCTC App/Website
- • Reward Rate — Dining/Utility: 3 Reward Points per ₹125
- • Reward Rate — Other Retail: 1 Reward Point per ₹125 (non-fuel)
- • Accelerated Rewards — IRCTC Bookings: Up to 10% value back as Reward Points (same class list)
- • Excluded Categories: Non-fuel retail purchases implied as eligible for base rate (fuel excluded)
Welcome Benefit
Welcome Benefit Amount: 1,500 Reward Points worth ₹1,500; Welcome Benefit Extra Cashback: PaisaSimple adds '₹500 cashback on first train ticket booked within 45 days'; Welcome Benefit Qualification: PaisaSimple: payment of joining fee within 30 days of card issuance, credited within 45 days; Welcome Benefit Amount: 1,500 reward points worth ₹1,500; Welcome Benefit — Extra ₹500 Cashback: Not mentioned; Welcome Benefit Trigger: 'On payment of 1st Annual Fee' (no specific day windows stated); Welcome Cashback on First Train Ticket: Not mentioned
Milestone Benefit
Milestone — ₹50,000 annual travel spend: 2,500 Reward Points; Milestone — ₹1 Lakh annual travel spend: 5,000 Reward Points; Milestone — ₹50,000 annual travel spend: 2,500 Reward Points; Milestone — ₹1 Lakh annual travel spend: 5,000 Reward Points; Milestone — ₹2 Lakh annual spend: Spend based reversal of annual fee on spends of ₹2 lakhs
Redemption
- • Redemption Options: PaisaSimple: 1:1 against free train tickets on irctc.co.in/IRCTC Rail Connect App (1 RP=₹1)
- • SBI Card catalog for vouchers/merchandise
- • Redemption Options: Not shown on captured official pages
Benefits
- Domestic Railway Lounge Access: 8 per year (2 per quarter) via IRCTC Executive Railway Lounge
- Flexipay EMI: Convert purchases ≥₹2,500 into monthly EMIs
- Safe & Secure / Easy Bill Pay / Balance Transfer on EMI: All detailed on official 'Features' tab
- Domestic Railway Lounge Access: 8 complimentary railway lounge access/year (max 2/quarter)
- applicable ONLY for primary cardholders
- Flexipay EMI: Convert purchases ≥₹2,500 into easy monthly EMIs
- Balance Transfer on EMI: Transfer other banks' card balances at lower interest, repay via EMI
Things to Know Before you apply
IRCTC SBI Card Premier Eligibility Criteria
- Age: 21–65 years
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹1,499 |
| Annual Fee | ₹1,499 |
| Foreign Currency Mark-up Fee | 3.5% |
| Cash Advance Fee | Cash Advance Fee: 2.5% of amount, min ₹500 |
Fee waiver: IRCTC Transaction Fee Surcharge Waiver: 1% transaction charge waiver on railway ticket bookings at irctc.co.in; Annual Fee Waiver Threshold: Spend ₹2,00,000+ in preceding 12 months; Fuel Surcharge Waiver — Rate: 1% on transactions ₹500–₹4,000; Fuel Surcharge Waiver — Cap: PaisaSimple states max waiver ₹100 per statement cycle (stated twice in its benefits list); Official states max waiver ₹250 per statement cycle; Annual Fee Waiver Threshold: (implied by milestone above) ₹2 lakh spend; 1% IRCTC Transaction Surcharge Waiver: Save 1% transaction charges on railway ticket bookings on www.irctc.co.in; Fuel Surcharge Waiver Rate: 1% on transactions ₹500–₹4,000; Fuel Surcharge Waiver Cap: Max ₹250 per statement cycle, per credit card account; Fuel Surcharge Waiver: 1% on transactions ₹500–₹4,000, max ₹250/statement cycle
PaisaSimple Review
Overall Rating
4.9/5Compare with Similar Cards
Joining Fee
₹1,499
Annual/Renewal Fee
₹1,499
Joining Fee
₹1,499
Annual Fee
₹6
Joining Fee
Free
Annual/Renewal Fee
Free
- • Welcome Benefit Amount: 1,500 Reward Points worth ₹1,500
- • Welcome Benefit Extra Cashback: PaisaSimple adds '₹500 cashback on first train ticket booked within 45 days'
- • Welcome Benefit Qualification: PaisaSimple: payment of joining fee within 30 days of card issuance, credited within 45 days
- • Welcome Benefit Amount: 1,500 reward points worth ₹1,500
- • Welcome Benefit — Extra ₹500 Cashback: Not mentioned
- • Welcome Benefit Trigger: 'On payment of 1st Annual Fee' (no specific day windows stated)
- • Welcome Cashback on First Train Ticket: Not mentioned
- • Welcome Benefit Qualification: Official: credited on spends of ₹30,000 within 60 days of card issuance
- • Welcome Benefit Condition: Credited on spends of ₹30,000 within 60 days of card issuance
- • Welcome Benefit - 1,000 points + 1,000 ixigo Money: Same
- • Reward Rate — Dining & Utility (standing instructions): 3 Reward Points per ₹125
- • Reward Rate — Other Retail Spend: 1 Reward Point per ₹125 (non-fuel)
- • Accelerated Rewards — IRCTC Ticket Booking: Up to 10% value back as Reward Points on AC1/AC2/AC3/Executive Chair Car/Chair Car bookings via IRCTC App/Website
- • Reward Rate — Dining/Utility: 3 Reward Points per ₹125
- • Reward Rate — Other Retail: 1 Reward Point per ₹125 (non-fuel)
- • Accelerated Rewards — IRCTC Bookings: Up to 10% value back as Reward Points (same class list)
- • Excluded Categories: Non-fuel retail purchases implied as eligible for base rate (fuel excluded)
- • Reward Rate — Travel Spend: Official: 2 Travel Credits per ₹200 spent on TRAVEL
- • PaisaSimple: 'Accelerated Rewards: 6 Travel Miles per ₹200 on Travel spends'
- • Reward Rate — Other/Standard Spend: Official: 1 Travel Credit per ₹200 on OTHER (non-travel) spends
- • PaisaSimple: 'Base Rewards: 2 Travel Miles per ₹200 on all standard retail spends'
- • Reward Rate on Travel Spend: 2 Travel Credits per ₹200 spent on travel
- • Reward Rate on Other/Standard Spend: 1 Travel Credit per ₹200 on other (non-travel) spends
- • 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
- • Annual renewal fee of ₹1499
- • Reward exclusion on fuel purchases and wallet load transactions