IRCTC SBI Card Premier by SBI Card — Credit Card Image
SBI Card Review Verified: 2026-08-25 🆓 First Year Free

IRCTC SBI Card Premier

4.0 / 5.0 Rating
Apply for this Card
#co-branded #travel

Fees

₹1,499 + Taxes

Joining & annual

1st year free

Reward Rate

Up to 10% value-back on IRCTC train ticket bookings; 0.8% base rate on other retail spends

Welcome Bonus

1,500 Reward Points (worth ₹1,500) welcome benefit on annual fee payment

Lounge

8 Railway Lounges/yr (2/Qtr)

Overview Perks & Milestones Fees & Interest Insurance Eligibility FAQs Compare

Our Expert Take

IRCTC SBI Card Premier is built specifically for frequent train travelers, earning bonus points on IRCTC bookings. The exact reward multiplier isn't clearly disclosed in the terms we have on file, so if you're choosing this primarily for its train-booking rewards, confirm the current rate with SBI Card first.

Where this card earns most

Paying directly in the app or site · 0.8% on other spends

IRCTC 10%
Find the best card for any app or store →

Pros & Cons

Key Advantages

  • Up to 10% value-back on IRCTC train ticket bookings, plus a 1% transaction charge waiver

Limitations

  • Base reward rate on non-IRCTC retail spends is a modest 0.8%
  • 8 railway lounge visits/year, but no airport lounge access

Key Perks & Spending Milestones

Accelerated co-branded reward point multipliers generated automatically on matching IRCTC ticketing runs

Bespoke transaction benefits layered dynamically when purchasing transit options via official channels

Includes access permissions to select premium domestic railway transit executive lounges across India

1% fuel surcharge exemption shield operating cleanly across authorized domestic petroleum pumps

Spend milestone

Unlock spend-based operational fee reversals, reward milestones, and seasonal booking vouchers upon checking off cumulative annual retail spend thresholds

Fees & Charges

Joining fee

₹1,499 + Taxes

Annual fee

₹1,499 + Taxes 1st year free

Annual fee waived on ₹2 Lakh annual retail spends

Interest rate

Up to 3.75% per month (45% per annum)

Late payment fee

Nil up to ₹100; ₹100 for ₹101-₹500; ₹500 for ₹501-₹1,000; ₹750 for ₹1,001-₹10,000; ₹950 for ₹10,001-₹25,000; ₹1,100 for ₹25,001-₹50,000; ₹1,300 above ₹50,000

Insurance & Protection Benefits

Fuel surcharge waiver: 1% cover across domestic petrol pumps (subject to transaction value parameters)

Eligibility Criteria

age

21 to 65 years

employment profiles

Salaried and Self-Employed Profiles

Credit score & income

Good (700+)

Frequently Asked Questions

How much can I earn on IRCTC bookings with this card?
Up to 10% value-back as reward points on AC-class IRCTC train ticket bookings, versus a 0.8% base rate on other retail spends.
How many railway lounge visits does this card offer?
8 complimentary railway lounge visits per year (2 per quarter), available at select stations including Delhi, Jaipur, Agra, Ahmedabad and Kolkata Sealdah.
What's the welcome benefit on IRCTC SBI Card Premier?
1,500 Reward Points on joining, plus up to 5,000 bonus points on hitting the annual milestone spend.

Compare IRCTC SBI Card Premier With Similar Cards

Card Annual Fee Reward Rate Lounge Access Rating
IRCTC SBI Card Premier This Card ₹1,499 + Taxes Up to 10% value-back on IRCTC train ticket bookings; 0.8% base... 8 Railway Lounges/yr (2/Qtr) 4.0/5
HDFC Infinia Credit Card Metal Edition ₹12,500 + Taxes 5 reward points per ₹150; up to 10X on SmartBuy flight/hotel bookings Unlimited Domestic + International 4.9/5
Axis Bank ATLAS Credit Card ₹5,000 + Taxes 5 EDGE Miles per ₹100 on travel; 2 EDGE Miles per ₹100 on general spends 8 Domestic + 4 International/yr 4.8/5
Axis Bank Burgundy Private Credit Card ₹50,000 + Taxes 15 EDGE Reward points per ₹200 spent on retail and international... Unlimited Domestic + International 4.8/5

Compare Credit Cards

2 cards selected