IRCTC SBI Card Premier
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SBI Card

IRCTC SBI Card Premier

Visa
Co-branded

Your rating

Community rating

Best for Frequent train travellers — 3% reward + 1% transaction charge waiver on IRCTC

Joining Fee

₹1,499

Annual Fee

₹1,499

Reward Rate

0.5% – 3%

Forex Markup

3.5%

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Key Benefits

Up to 10% value back on IRCTC train ticket bookings as Reward Points
5% value back on IRCTC air ticket and eCatering bookings
3 Reward Points per ₹125 on dining and utility bill spends
1 Reward Point per ₹125 on other eligible retail spends
1,500 bonus Reward Points as welcome benefit (1 RP = ₹1)
8 complimentary railway lounge visits per year (max 2 per quarter)
1% transaction charge waiver on IRCTC rail and air bookings
Annual fee waiver on ₹2 lakh annual spends

Rewards

How you earn back on every swipe

points

Reward type

0.5% – 3%

Earn rate

0.8

Points / ₹100

₹1

Per point

Fees & Charges

Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.

Joining fee₹1,499
Annual fee₹1,499
Fee waiver on annual spend₹2,00,000
Interest-free period50 days
Interest rate (APR)40.2%
Late payment fee (max)₹900
Cash advance fee2.5% (min ₹300)
Forex markup3.5%
Fuel surcharge waiverYes (₹500–₹4000)

Travel & Lounge Access

Airport perks included with this card

2 per quarter

Domestic lounge visits

0 per year

International lounge visits

DreamFolks

Lounge access via DreamFolks

Things to Keep in Mind

  • Transaction charge waiver only for AC class IRCTC bookings
  • No reward points on fuel, EMI, cash advances, government transactions

Card Features

Metal Card
Contactless
UPI Linked

Tips & reviews

Community comments — not financial advice. Bank terms still apply.

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Eligibility

Age18+ yrs – 65

Pros & Cons

Pros
  • One of the best train travel credit cards in India
  • Excellent value for frequent IRCTC users
  • Railway lounge access is genuinely useful for train travelers
  • Reward Points have simple ₹1 redemption value
  • Good rewards on IRCTC bookings and utilities
  • Annual fee waiver milestone is achievable
  • Welcome bonus offsets joining fee well
Cons
  • Best rewards limited mainly to IRCTC ecosystem
  • No airport lounge access benefits
  • Base reward rate outside travel categories is average
  • Forex markup is high for international spends
  • Reward exclusions apply on fuel, wallet loads, EMI, and rent
  • Lounge network availability depends on railway station coverage
  • Limited premium travel and lifestyle benefits compared to airline-focused cards

Who is this card for?

Frequent train travellers who book AC class tickets via IRCTC online. The combination of reward points and transaction charge waiver delivers significant savings on monthly rail bookings.

Quick Links

View on bank website

Data last updated 24 Mar 2026

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