IRCTC SBI Premier Credit Card
SBI Bank
Expert Rating
₹1,499
₹1,499
1.99%
8 visits/yr
Contents
The SBI Bank IRCTC SBI Premier Card is a travel-focused co-branded card optimised for railway and travel spends. It offers accelerated reward earning on IRCTC bookings, milestone bonuses and complimentary railway lounge access. Suitable for frequent rail travellers who want value back on train and travel-related spends.
Features of IRCTC SBI Premier Credit Card which makes it unique
IRCTC Value Back
Enhanced value back on AC railway bookings through IRCTC.
Higher effective returns on train ticket spends.
Stronger for rail travellers vs generic travel cards.
Milestone Bonuses
Earn bonus reward points on reaching travel spend milestones.
Extra points that boost long-term rewards.
Competitive milestone benefits for frequent travellers.
Rewards Structure of IRCTC SBI Premier Credit Card
Milestones of IRCTC SBI Premier Credit Card
Quarterly Travel Milestone
₹50,000 : 2,500 Reward Points
Annual Travel Milestone
₹1,00,000 : 5,000 Reward Points
Fees & Charges of IRCTC SBI Premier Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹1,499 |
| Annual Fee | ₹1,499 |
| Forex Markup Fee | 1.99% |
| Cash Advance Fee | 0 |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 0% |
Renewal Conditions:Annual fee waived on ₹2,00,000 annual spend.
Fee Explanation Standard bank rates apply for overdue amounts and specific transaction fees as per SBI Card terms and conditions.
Lounge Access Benefits with IRCTC SBI Premier Credit Card
domestic Lounges
silverVisits per year: 8
Guest access: No
Max 2 visits per quarter; subject to availability at selected stations.
Insurance Coverage with IRCTC SBI Premier Credit Card
Rail Accident Cover
₹10,00,000As per card insurance T&Cs.
Credit Card Fraud Liability Cover
₹1,00,000Subject to claim procedure and eligibility.
Additional Features of IRCTC SBI Premier Credit Card
Contactless Payments
Tap and pay enabled for contactless terminals.
Add-on Cards
Add-on cards available as per bank policy.
Welcome Bonus with IRCTC SBI Premier Credit Card
Welcome Bonus: 1,500 reward points
Bonus Conditions: Reward points credited after payment of the first annual fee; credited within 45 days of eligible transaction. T&Cs apply.
Application Process for IRCTC SBI Premier Credit Card
Processing Time
5-7 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via the SBI Card / Finanjo portal
Upload KYC documents
Receive verification call
Card dispatched within 5–7 business days after approval
Required Documents for IRCTC SBI Premier Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
IRCTC SBI Premier Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted globally where Visa is accepted
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for IRCTC SBI Premier Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹30,000
Minimum annual income
Self-Employed Applicants
₹40,000
Minimum annual income
Who Can Apply
Important Conditions
- Applicant must provide valid PAN and Aadhaar; Indian resident criteria apply.
How Approval Is Decided
- Minimum income ₹30,000/month for salaried applicants
- Indian resident
- Credit score above 700
Pros of IRCTC SBI Premier Credit Card
- Strong rewards for railway and travel spends
- Complimentary railway lounge visits
- Useful milestone bonuses for frequent travellers
Cons of IRCTC SBI Premier Credit Card
- Joining/annual fee of ₹1,499
- Rewards structure focused on travel — limited outside travel categories
Frequently Asked Questions about IRCTC SBI Premier Credit Card
What is the joining fee and is it waivable?
The joining/annual fee is ₹1,499 and is typically reversed/waived if you spend ₹2,00,000 in a year. Check full terms for exact waiver mechanics.
How do I get the welcome bonus?
You receive 1,500 bonus reward points on payment of the first annual fee; points are credited per the issuer's posting timeline.
How many railway lounge visits are included?
The card includes complimentary railway lounge access (up to 8 visits per year; typically capped by quarter). Confirm station list and availability with IRCTC/SBI.
What is the earn rate on IRCTC bookings?
IRCTC bookings earn accelerated points (up to 10 points per ₹100 for eligible AC bookings) — refer to full T&Cs for exact categories and effective periods.
Is there a fuel surcharge waiver?
A fuel surcharge waiver of 1% may apply on transactions within specified ranges (₹500–₹4,000); maximum per statement cycle applies.
Can reward points be transferred or used with IRCTC loyalty?
Points may be credited/transferred to IRCTC loyalty programmes subject to scheme rules; check the issuer and IRCTC procedures.
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