IRCTC SBI Card Premier
The IRCTC SBI Card Premier is a entry co-branded credit card from SBI Card and IRCTC, with a joining fee of ₹1,499 + GST.
It earns up to 10 pts per ₹125 (≈8.0% value) on IRCTC spends in the form of reward points (points).
Cardholders get 8 annual domestic airport lounge access, plus 1,500 reward points worth ₹1,500 as a welcome benefit.
- Joining Fee₹1,499
- Annual Fee₹1,499
- Best Suited ForLifestyle & travel
- Reward TypeReward Points (points)
- 10 pts per ₹125 on irctc rail bookings
- 3 pts per ₹125 on dining utilities
- Base 0.76% on other spends
- 1,500 Reward Points worth ₹1,500
Rewards and Benefits
- ₹50,000 / annual: 2,500 Reward Points on annual travel spends of ₹50,000
- ₹1,00,000 / annual: 5,000 Reward Points on annual travel spends of ₹1 lakh
- IRCTC transaction charge waiver — 1% + GST transaction charge waiver on IRCTC ticket bookings.
See the math — accelerations & caps
What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.
No accelerated categories apply to the spend you entered — everything earns the base rate.
Base-rate spend
Non-accelerated spend, summarized at this card's base rate.
- Online shopping₹15,000 · 0.8% = ₹120/mo
- Groceries₹8,000 · 0.8% = ₹64/mo
- Dining & food delivery₹8,000 · 0.8% = ₹64/mo
- Fuel₹4,000 · 0.0% = ₹0/mo
- Travel & hotels₹10,000 · 0.8% = ₹80/mo
Travel & hotels — earns base; accelerated rate needs booking via irctc-direct
- Utilities & bills₹5,000 · 0.8% = ₹40/mo
₹4,416 rewards − ₹0 annual fee. Estimate for the spend you entered.
Fees & Charges
Product Details
- Co-branded entry card by SBI Card and IRCTC.
- Joining / annual fee of ₹1,499 + GST, waived on annual spends of ₹2,00,000.
- Available on the RuPay network.
- Complimentary airport lounge access: domestic (8/annual).
Pros & Cons
- Annual fee waivable on ₹2,00,000 spend.
- Complimentary domestic airport lounge access (8/annual).
- Milestone-based bonus rewards on annual / quarterly spend thresholds.
- Accelerated earn worth ≈8.0% on irctc rail bookings.
- Standard forex markup of 3.50% — suboptimal for international spend.
- No rewards on fuel spends.
₹1,500 welcome benefit
- 1,500 Reward Points worth ₹1,5001st annual fee paidWindow: 45 days from issuance.
Accelerated rewards
- 10 pts per ₹125 on irctc rail bookingsMerchants: irctc10% value-back (as points) on AC class bookings via IRCTC.
- 3 pts per ₹125 on dining utilities3 Reward Points per ₹125 on Dining and on standing-instruction Utility spends.
- No capping on monthly/annual value-back per SBI Card IRCTC Premier T&C (ekit-tncs, FY22): 'There is no capping on monthly/annual value back amount.'
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- emi
Milestone benefits
- ₹50,000 / annual: 2,500 Reward Points on annual travel spends of ₹50,000 (≈ ₹2,500 value)
- ₹1,00,000 / annual: 5,000 Reward Points on annual travel spends of ₹1 lakh (≈ ₹5,000 value)
Airport lounge access
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹500 and ₹4,000, capped at ₹250 per monthly.
Other benefits
- IRCTC transaction charge waiver. 1% + GST transaction charge waiver on IRCTC ticket bookings.
Sources
- : www.sbicard.com · retrieved 3 Jul 2026
Last verified 5 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–65
- Credit score
- 720+
- Income (salaried)
- —
- Income (self-employed)
- —