IRCTC SBI Card Premier

Highlights

  • Explore all the Salient Features of IRCTC SBI Card Premier.
  • Earn Reward Points on IRCTC, Air IRCTC, and E-Catering IRCTC.
  • Get a Fuel Surcharge Waiver on all the Petrol Pumps.

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.

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    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.

    Welcome Bonus

    • Get a Welcome Bonus of 1500 Reward Points equivalent to ₹1500 after the full payment of the joining fees.
    • Spend ₹2000 within 60 days and earn a BookMyShow voucher worth ₹500.

    Terms and Conditions

    • The reward points will be credited in the account within 45 days of the transaction.

    Earn Reward Points

    • Enjoy 10% Value Back as Reward Points on booking the AC1, AC2, AC3, AC, and CC rail tickets from the official website of IRCTC.
    • Earn 5 Reward Points on every transaction of ₹100 on Air IRCTC Website.
    • Earn 5 Reward Points on every transaction of ₹100 done on the E-Catering Service Website of IRCTC.
    • Spend ₹125 on dining through the SBI IRCTC premier card and earn 3 reward points.
    • On every other expenditure of ₹125 earn 1 reward point.

    Terms and Conditions

    • No Reward Points will be earned on the fuel transactions.

    Milestone Bonus

    • On Spending ₹50000 in a year earn 2500 reward points.
    • Get 5000 Reward Points on spending ₹1 lac in a year.
    • Get your renewal fee reverses by spending ₹2 lacs in a year.

    Terms and Conditions

    • All the reward points will be credited within 15 days after achieving the milestone.

    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.

    Flexipay

    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.

    ParticularsDetails
    Membership Fees (One Time)₹1499 + Taxes
    Annual Renewal Fee from Second Year₹1499 Only
    Add-on Card FeeNIL
    Interest-Free Credit Period20 Days to 50 Days
    Finance ChargesUp to 3.35% per month or 40.2% P.A. from the Transaction.
    Minimum Amount Due Charges5% of the Outstanding Amount
    Cash Advancement LimitMaximum up to 80% and ₹12000 in a Day
    Domestic ATM Withdrawal Fees2.5% of the Transaction and a minimum of ₹500
    International ATM Withdrawal Fees3% of the Transaction and a minimum of ₹500
    Cheque Pickup Fees₹100
    Cheque Payment Fees₹100
    Cheque Dishonour Fees2% of the Amount or a Minimum of ₹450
    Getting a Statement₹100 per Statement but older than 2 Months
    Cash Payment Fees₹199
    Reward Redemption Fees₹99
    Card Replacement₹100
    Over limit Fee2.5% of the Exceeding Amount or a Minimum of ₹500

    Late Payment Fee

    • Nil, when Outstanding Amount is between ₹0 to ₹200.
    • ₹100, when Outstanding Amount is Between ₹200 & Equivalent to ₹500.
    • ₹400, when Outstanding Amount is Between ₹500 & Equivalent to ₹1000.
    • ₹600, when Outstanding Amount is Between ₹1000 & Equivalent to ₹10000.
    • ₹800, when Outstanding Amount is Between ₹10000 & Equivalent to ₹25000.
    • ₹950, when Outstanding Amount is More than ₹25000.

    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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