SBI CardIRCTC 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.
Top Category Performance
Travel & Lounge (82/100)
Joining Fee
₹1,499
Annual Fee
₹1,499
Reward Rate (%)
0.5 – 3
Forex Markup
3.5%
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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 categoryScoring 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
IRCTC SBI Card Premier Rewards
How you earn back on every swipe
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 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.
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
Fee Waiver Spend Simulator
Simulate your spend to check waiver eligibility
🎉 Annual renewal fee 100% waived! At ₹16,667/mo (₹2,00,004/yr), your ₹1,499 fee drops to ₹0.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
IRCTC SBI Card Premier Eligibility
Pros & Cons
- 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
- 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
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Calculate your exact earnings with IRCTC SBI Card Premier
Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your guaranteed net return after annual fees.