IRCTC SBI Card Premier
Issuer Regulated by RBI
SBI Card logo
SBI Card

IRCTC SBI Card Premier

The IRCTC SBI Card Premier is India's leading co-branded railway card, designed for frequent train travellers who book on IRCTC.

Visa
Co-branded
74
Overall CardCheck ScoreVery Good

Travel & Lounge Fit Score

82/100

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

0.8 pts/₹100 · ₹1/pt

Forex Markup

3.5%

Community
(0)
Your Rating

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CardCheck Rating & Score

Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.

Reward Power

27/35

Fee Value & ROI

20/25

Lounge & Perks

15/20

Forex & Access

12/20

Category Strengths Breakdown

Ranked by strongest spend category
Travel & Lounge
82/100
Cashback Spends
75/100
Premium Privileges
74/100
Online Shopping
72/100

Scoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →

IRCTC SBI Card Premier 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

IRCTC SBI Card Premier Rewards

How you earn back on every swipe

Point Formula: 0.8 pts / ₹100 spent · 1 pt = ₹1
0.8% Base Return

points

Reward type

0.5% – 3%

Earn rate

0.8

Points / ₹100

₹1

Per point

IRCTC SBI Card Premier Fees & Charges

Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other statutory charges are detailed in the official Most Important Terms and Conditions (MITC).

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)

IRCTC SBI Card Premier 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

Fee Waiver Spend Simulator

Simulate your spend to check waiver eligibility

Waiver Target: ₹2,00,000/yr
₹16,667/mo
Presets:
Annual Fee 100% Waived₹2,00,004 / ₹2,00,000

🎉 Annual renewal fee 100% waived! At ₹16,667/mo (₹2,00,004/yr), your ₹1,499 fee drops to ₹0.

Est. Base Rewards+₹1,000@0.5% base rate
Effective Fee₹0 (Waived)100% saved
Net Annual Value+₹1,000rewards vs fee
*Estimated using standard base rate (0.5%). Excludes monthly-capped accelerated partner multipliers.Detailed Rewards Calculator →

Tips & reviews

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

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IRCTC SBI Card Premier Eligibility

Age18+ yrs – 65
CIBIL scoreCardCheck Estimate
720+

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

Data last updated 11 Aug 2026

All SBI Card credit cards →Best Reward CardsCards with Lounge AccessBest Travel CardsBest Fuel Cards
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