IRCTC SBI Card Premier
Last Updated : July 16, 2025, 12:47 p.m.
Looking to make your train journeys rewarding? The IRCTC SBI Card Premier is your perfect travel companion! Co-branded by SBI Card and Indian Railway Catering and Tourism Corporation (IRCTC), this card offers unmatched benefits on railway bookings, travel rewards, and lifestyle privileges. Whether you're a frequent Indian Railways traveler or want a credit card that gives you great value, this card checks all the boxes.
Features of the IRCTC SBI Credit Card
Now, you can find out the best offers that are available on this credit card. See all of them and make the best use of this card to save some extra bucks.
| Feature | Benefit |
|---|---|
Welcome Benefit | ₹1,500 worth of reward points on first transaction of ₹500+ |
Reward Rate | Up to 10% value back on IRCTC bookings |
Annual Fee | ₹1,499 + GST (waived on ₹2 lakh annual spend) |
Complimentary Lounge Access | 8 visits per year at major railway stations |
Fuel Surcharge Waiver | 1% waiver at all petrol pumps in India |
Add-on Card | Free lifetime add-on card for family members |
Top Reasons to Choose IRCTC SBI Card Premier
1. Maximize Savings on Train Tickets
- Earn 10% value back as reward points on booking railway tickets via IRCTC’s official website or app using this card.
- Book AC1, AC2, AC3, and AC CC tickets and enjoy cashback-like benefits in the form of redeemable reward points.
2. Complimentary Railway Lounge Access
- Enjoy 8 complimentary lounge visits per calendar year (2 per quarter) at select railway stations like New Delhi, Agra, Ahmedabad, Jaipur, and more.
3. Accelerated Reward Points on Daily Spends
- Earn:
- 5 reward points per Rs. 100 spent on groceries, dining, and departmental stores.
- 1 reward point per ₹100 on all other spends.
- 5 reward points per Rs. 100 spent on groceries, dining, and departmental stores.
4. Welcome Bonus Worth ₹1,500
- Get 1,500 reward points as a welcome gift on spending ₹500 or more within 30 days of card issuance.
5. Fuel Surcharge Waiver
- Save on refueling with 1% fuel surcharge waiver at petrol pumps across India on transactions between ₹500–₹3,000.
6. Comprehensive Travel & Lifestyle Benefits
- EMI facility available on IRCTC bookings and huge purchases.
- Easy utility bill payments, insurance premium payments, and more.
Fees and Charges of IRCTC SBI Card Premier
| Fee Type | Amount |
|---|---|
Joining Fee | ₹1,499 + GST |
Annual Renewal Fee | ₹1,499 + GST (waived on ₹2 lakh spend/year) |
Finance Charges | Up to 3.5% per month (42% annually) |
Late Payment Fee | ₹400 – ₹1,300 (based on due amount) |
Eligibility Criteria
To apply for the IRCTC SBI Card Premier, you must:
- Be an Indian resident
- Be 21 to 60 years old (salaried) or up to 65 years (self-employed)
- Have a good CIBIL score (preferably above 750)
- Show a stable income source.
Documents Required for IRCTC SBI Card Premier
- Identity Proof : PAN card, Aadhaar card, Passport, or Voter ID
- Address Proof : Aadhaar, Utility Bill, Passport, Driving License
- Income Proof : Latest salary slips / Form 16 / ITR for self-employed.
How to Redeem Reward Points?
- Every 1 Reward Point = ₹1
- Redeem points for IRCTC ticket bookings, travel vouchers, or gift cards via the SBI Card website/app.
Should You Get the IRCTC SBI Card Premier?
If you're a frequent Indian Railways traveler, this card is tailored for you. From savings on ticket bookings to exclusive lounge access and value-back rewards, the IRCTC SBI Card Premier blends travel perks with daily utility. Plus, the welcome benefit almost offsets the joining fee!
Frequently Asked Questions (FAQs)
