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IRCTC SBI Card Premier

IRCTC SBI Card Premier

Last Updated : Feb. 5, 2020, 12:13 p.m.

A common man usually prefers a railway journey in comparison with the flights. So, in order to cut off the expenses done on the railway tickets, the State bank of India has introduced IRCTC SBI Card Premier that has a lot of offers. You can enjoy discounts on the railway tickets and insurance cover in case of a rail accident. There are also offers of earning reward points on the various transactions. Cut off the extra charges that are charged on the official website of IRCTC while booking tickets. Get exclusive offers on Air IRCTC and E-Catering IRCTC while booking a meal or an Air Ticket. There are a lot of other benefits as well that will amaze you. So go through each and every feature of this credit card.

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.

BenefitsDetailsTotal SpendingTotal Saving
Welcome Gift1,500 reward pointsPayment of first annual fee - Rs.1,499Rs.1,500, 1 reward point= Rs.1
Value Back Benefits- 10% Value Back as Reward Points.
- 5% back on Air ticket purchases
- 5% back on E-catering purchases
- Purchase tickets via & the IRCTC Mobile App for AC1, AC2, AC3, Executive Chair, and Chair Car.
- Buy from
- Purchases on
20% back as reward points
Reward Benefits- For dining and standing instructions on utility spends earn 3 reward points.
- For other non-fuel retail purchases earn 1 reward point
Rs.1254 reward points
Milestone benefits- Earn 2,500 reward points
- Earn 5,000 reward points
- Spend based annual fee waive off
- Rs. 50,000
- Rs. 1,00,000
- Rs. 2,00,000
7,500 reward points + annual fee waive off

Insurance Cover

  • Get an Insurance Cover of ₹10 lacs in case of a rail accident.
  • Enjoy Air Accident Insurance cover of ₹50 Lacs.
  • Get Fraud Liability Coverage of ₹1 Lac.

Offers on IRCTC

  • Waive off the IRCTC charges of 1.8% on booking the Rail Tickets from the official website of IRCTC.
  • Enjoy the Air IRCTC charges of 1.8% at the time of booking Air Tickets.
  • Book Airline tickets from Air IRCTC at economical prices.
  • Book packages from IRCTC including accommodation and travelling.

Discount on Fuel Surcharge

  • Get a Fuel Surcharge Waiver of 1% at all the refilling stations.
  • Waive off the fuel surcharge with a maximum of ₹250 every month.

Terms and Conditions

  • The minimum transaction must be of ₹500.
  • The Maximum transaction must be of ₹4000.

Visits to the Railway Lounges

  • Get 8 Complimentary Visits to the Railway Lounge Every Year.
  • Enjoy a maximum of 2 Railway Lounge Access through the IRCTC SBI Card Premier.

Terms and Conditions

  • Only the Primary Cardholder is Eligible to take the Access to the Railway Lounges.

List of Lounges Under SBI IRCTC Premier Card

CityPlatformLounge Name
DelhiPlatform No.16, New Station Building, Ajmeri Gate side, New Delhi Railway Station, New Delhi - 110006Executive Lounge
JaipurPlatform No.1, Near 1st Class Waiting Room at Jaipur Jn Railway Station, Rajasthan - 303702Executive Lounge
AgraPlatform No.1 at Agra Cantt, Near Second Class Waiting Room, Agra, Uttar Pradesh - 282001Executive Lounge
AhmedabadPlatform No.1, Ahmedabad Railway Station, Gujarat - 380002Executive Lounge
MaduraiMadurai Railway Junction, Railway Junction Road, Madurai Main, Madurai, Tamil Nadu - 625001Executive Lounge

Other Features of the IRCTC SBI Card Premier

There are some more features of the SBI Credit Card . You can see all the additional benefits of using this credit card.

Contactless Payment

Now, you can make payment through the credit card without entering an OTP or a PIN. This is a smart mode of doing the transactions. You just have to touch the IRCTC SBI Card Premier on the vendor’s machine to make the payment.

Globally Accepted

  • This Credit Card is accepted in over 24 million outlets present across the world.
  • There are 3,25,000 Outlets in India where you can easily use this credit card.


You have the option to convert the transactions above ₹2500 into easy EMIs. Just visit the official website of SBI cards and convert the high transactions into EMIs within 30 days of the transaction.

Fee and Other Charges of IRCTC SBI Card Premier

Almost every Credit Card has a joining fee and renewal charges. But the IRCTC SBI Card Premier doesn’t have any renewal fee if you make a successful transaction of ₹2 Lacs in a year. And if you not, you’ll have to pay Rs.1,499 per annum. And the joining fee of Rs.1,499 is mandatory and you can’t escape from it. Check out the other charges below:-

Types of FeesAmount (In ₹)
Card Replacement100-250
Rewards Redemption Fee99
Payment Dishonor500
Over Limit Fees600
Finance Charges3.50% per month
Cash Payment fee250
Cash Advance Fees500
Foreign Currency Transaction fee3.5%(For All Cards Except Elite & Aurum)
Processing Fee on all Rent Payment Transactions199
Balance Transfer1.7% per month (for 180 days tenure)

Late Payment Fee

Outstanding AmountCharges
For the amount between ₹ 0 to ₹500NIL
Exceeding ₹500 and up to ₹1,000₹400
Exceeding ₹1,000 and up to ₹10,000₹750
Exceeding ₹10,000 and up to ₹25,000₹950
Exceeding ₹25,000 and up to ₹50,000₹1,100
Above ₹50,000₹1,300

IRCTC SBI Card Payment Options

Mostly, users prefer to make SBI Credit Card Online Payment because the cash payment of the credit card bill includes some extra charges. There are various options through which you can clear the outstanding bill of your credit card. Make use of NEFT if you are willing to pay the bill from another bank. The SBI Mobile Application and Net Banking will help you to do fast and convenient payments.

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