SBI

SBI IRCTC Premier Credit Card

IRCTC SBI Card Premier: get up to 10% value back as Reward Points on AC train tickets booked on IRCTC, 8 complimentary railway lounge visits a year, 1,500 welcome Reward Points and milestone rewards on travel spends, for a ₹1,499 annual fee

Travel
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Issued by

SBI

SBI IRCTC Premier Credit Card image
Joining Fee₹1499
Annual Fee₹1499
Income₹25000
Credit Score720

Key Highlights

Travel

Earn Up to 10% Value Back as Reward Points on AC Train Tickets

Book 1st Class AC, 2nd Class AC, 3rd Class AC, Executive Chair Car and Chair Car tickets on the IRCTC website and Mobile App with no monthly or annual cap on the value back

Earn Up to 10% Value Back as Reward Points on AC Train Tickets

Book 1st Class AC, 2nd Class AC, 3rd Class AC, Executive Chair Car and Chair Car tickets on the IRCTC website and Mobile App with no monthly or annual cap on the value back

Travel

Enjoy 8 Complimentary Railway Lounge

every year across India, capped at a maximum of 2 visits per quarter

Enjoy 8 Complimentary Railway Lounge

every year across India, capped at a maximum of 2 visits per quarter

Eligibility

Age Criteria21-60
Credit Score720
Salaried Income₹3 LPA
Self-employed Income₹3 LPA
Employment TypeSelf Employed, Salaried
New to CreditEligible

Fees & Waivers

Joining Fee₹1499
Joining Fee OffsetGet 1,500 Reward Points worth ₹1,500 on payment of the 1st Annual Fee
Annual Fee₹1499
Annual Fee WaiverThe annual fee is waived if you spend ₹2 lakh or more in a year on your card, as per bank policy
Estimated Annual Saving₹10000

Rewards & Redemption

Reward Conversion1 Reward Point = ₹1
Redemption Options
  • Rail Ticket on IRCTC
  • E-Vouchers
  • Electronics
Earning ExclusionsFuel, Balance Transfer, Cash Advance, Encash, Financial Charges, E-Wallet Loading, Rent Payment, Government Services, Disputed Transaction
Spend ExclusionsFuel, Balance Transfer, Cash Advance, Encash, Financial Charges, E-Wallet Loading, Rent Payment, Government Services, Disputed Transaction

Benefits

All Benefits

  • up to 10% value back as Reward Points on 1st Class AC, 2nd Class AC, 3rd Class AC, ticket purchases at www.irctc.co.in and the IRCTC Mobile App with no monthly or annual cap
  • 5% back on air ticket purchases at www.air.irctc.co.in and on e-catering purchases at www.ecatering.irctc.co.in
  • 3 Reward Points per ₹125 on dining and on standing instructions on utility spends
  • Milestone benefits give 2,500 Reward Points on annual travel spends of ₹50,000
  • 5,000 Reward Points on annual travel spends of ₹1 lakh
  • 8 complimentary railway lounge visits a year maximum 2 per quarter

Welcome Benefits

  • Get 1,500 Reward Points worth ₹1,500 on payment of the 1st Annual Fee

Flight Benefits

  • 5% back on air ticket purchases at www.air.irctc.co.in the official T&C Booklet states the earning as 5 Reward Points per ₹125 spent, capped at 750 Reward Points in each monthly statement cycle

Railway Benefits

  • Up to 10% value back as Reward Points on 1st Class AC, 2nd Class AC, 3rd Class AC, ticket purchases made at www.irctc.co.in and on the IRCTC Mobile App, with no capping on the monthly or annual value back amount

Railway Lounge Benefits

  • 8 complimentary railway lounge accesses in a year in India, capped at a maximum of 2 visits per quarter

Dining Benefits

  • 3 Reward Points per ₹125 spent on dining 

Fuel Surcharge Waiver Benefits

  • 1% fuel surcharge waiver across all petrol pumps in India on transactions of ₹500 to ₹4,000, capped at a maximum waiver of ₹250 per statement cycle

Insurance Benefits

  • Complimentary Fraud Liability cover of ₹1 lakh
  • IRCTC SBI Card Premier is entitled to an air accident cover of ₹50 lakh from The United India Insurance Company Limited for accidental death while travelling on a scheduled airline, payable only if the air ticket was purchased using the card 

Bank Offer

  • Complimentary Fraud Liability cover of ₹1 lakh

Milestone Benefits

Minimum Spend₹50000
Within365 days
Reward Points Bonus2500

Documents

PAN Card
Aadhaar Card or valid address proof
Latest salary slips or income proof
Recent bank statements

Terms

The bank may offer a different card variant based on your eligibility; please carefully review the features and benefits of the card offered before submitting your application
A minimum transaction of ₹100 within 30 days of card issuance is required to activate the card, failing which you will not be eligible for rewards
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