IRCTC SBI Premier Credit Card
Best for: Rewards & Travel
Card Type : 
The IRCTC SBI Premier Credit Card is designed specifically for frequent travelers using Indian Railways, offering exclusive benefits and savings on train ticket bookings through the IRCTC platform. It also includes additional rewards on other categories like dining, groceries, and utility bill payments, making it a versatile choice for everyday use as well as travel.
Key Features & Benefits
| Joining Fee: | ₹1,499 (plus applicable taxes) |
| Annual Fee: | ₹1,499 (waived if annual spends exceed ₹2 lakh) |
| Interest Rate: | Up to 3.50% per month or 42% annually on outstanding balances |
| Fuel Surcharge Waiver: | 1% waiver on transactions between ₹500 to ₹3,000 |
| Late Payment Fee: | Up to ₹1,300 depending on the outstanding balance |
| Cash Advance Fee: | 2.5% of the withdrawn amount (minimum ₹500) |
Railway Ticket Booking Benefits
10% Value Back on Train Bookings:
- When you book AC1, AC2, AC3, and AC CC (Chair Car) tickets on the IRCTC website or app using the card, you earn up to 10% value back in the form of reward points. This is a significant saving for regular train travelers.
- You get a waiver on the transaction charges that are typically applicable when booking railway tickets through the IRCTC portal.
- 1 reward point per ₹125 spent on booking railway tickets in other classes, like sleeper and general classes.
- Earn 5x reward points on dining, groceries, and utility bill payments, making the card beneficial for everyday spending.
- On all other retail purchases, you earn 1 reward point for every ₹125 spent, ensuring you accumulate rewards on all kinds of transactions.
- On all other retail purchases, you earn 1 reward point for every ₹125 spent, ensuring you accumulate rewards on all kinds of transactions.
- Enjoy a 1% fuel surcharge waiver at petrol stations across India on transactions between ₹500 and ₹3,000. The waiver is capped at ₹100 per billing cycle, offering additional savings for those who drive frequently.
- As a welcome gift, you receive 1,500 reward points after paying the joining fee and spending ₹2,000 or more within the first 60 days of card issuance. These reward points can be redeemed for various services or products via the IRCTC portal.
- You are entitled to 4 complimentary visits to railway lounges across major cities in India each year. This perk adds comfort and convenience to your travel experience, allowing you to relax before your train journey.
- Earn 2,500 reward points when your annual spending crosses ₹2 lakh in a year. This milestone benefit encourages higher usage of the card for everyday and travel-related expenses.
Waiver of Transaction Charges:
Reward Points on General Train Bookings:
Reward Points on Other Categories
5x Reward Points:
1 Reward Point for Every ₹125 Spent:
Reward Point Value:
Fuel Surcharge Waiver
Welcome Bonus
Complimentary Railway Lounge Access
Milestone Benefits
SBI Premier Credit Card FAQs
Why Choose the IRCTC SBI Premier Credit Card?
This card is particularly attractive for individuals who frequently travel by train and book tickets through IRCTC. The 10% value back on train bookings, coupled with rewards on everyday spending categories, makes it an excellent option for frequent travelers looking to save on rail journeys. The complimentary lounge access at railway stations adds a layer of comfort to the travel experience.
Who Should Get This Card?
The IRCTC SBI Premier Credit Card is ideal for:
- Frequent Train Travelers: If you often travel by Indian Railways, especially in AC classes, this card will help you save significantly on booking costs.
- Daily Spenders: The 5x rewards on groceries, dining, and utility bills also make it a valuable card for everyday use.
- Lounge Users: If you prefer comfort during your travels, the complimentary railway lounge access will enhance your journey.
How to Apply for the IRCTC SBI Premier Credit Card
You can apply for the card online through the SBI Card website or IRCTC platform. Offline applications are also accepted at select SBI branches. The general eligibility criteria include:
- Age: 21 to 60 years
- Stable Income: Proof of a regular source of income (salaried or self-employed)
- Credit Score: A good credit score (typically above 750) to increase chances of approval
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