IRCTC SBI Card Premier
Fees
₹1,499 + Taxes
Joining & Annual 1st Year FreeReward 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 Access
8 Railway Lounges/yr (2/Qtr)
FindMyCard 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.
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
Editorial Verdict
The IRCTC SBI Card Premier is ideally suited for frequent railway commuters, irctc ticket bookings, and co-branded travel accumulators. If you want up to 10% value-back on irctc train ticket bookings; 0.8% base rate on other retail spends, this card delivers real value. The ₹1,499 + taxes is easily offset by the card's perks if you use it regularly. You'll generally need Good (700+) credit to be approved.
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
🚀 Milestone Spends Timeline
Unlock spend-based operational fee reversals, reward milestones, and seasonal booking vouchers upon checking off cumulative annual retail spend thresholds
Fees & Charging Rates
Annual Fee Waivers
₹1,499 + Taxes
💡 Annual fee waived on ₹2 Lakh annual retail spends
Regular Interest Charges
Subject to standard annualized tiered interest architectures managed under the SBI Card portfolio guidelines
📅 Late Payment Fee Penalty Tiers
Insurance & Protection Benefits
Eligibility Criteria
age
21 to 65 years
employment profiles
Salaried and Self-Employed Profiles
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 |