Skip to main content

IRCTC SBI Card Premier

The IRCTC SBI Card Premier is a special credit card that SBI Card and IRCTC have created together. When you get this card, you need to pay a joining fee of ₹1,499. As a bonus when you sign up, you will receive 1,500 Reward Points. For every ₹125 you spend on things like dining or utility bills, you will earn up to 3 Reward Points. This card offers a range of exclusive travel benefits. For example, you can enjoy free access to railway lounges every year. You also get special offers at over 5,000 hotels around the world. Plus, you’ll save money when booking railway and flight tickets through the IRCTC website.

Additionally, the card rewards you for reaching certain spending targets. You can earn up to 5,000 Reward Points each year by hitting these milestones. If you spend ₹2 lakh or more during the year, you can get your renewal fee waived, making the card free for the next year. With all these rewards and savings, the IRCTC SBI Card Premier gives you plenty of ways to get the most out of your spending. For more information on its features and how it can benefit you, check out the detailed information below.

Credit Card Detail
Joining Fee
Rs. 1499.00 +GST
Renewal Fee
Rs. 1499.00 +GST
Best Suited For
Travel
Reward Type
Reward Points
Welcome Benefits
Get 1,500 Reward Points
Rewards Rate
For every ₹125 spent on dining or utility bills, you earn 3 reward points. For every ₹125 spent on other purchases (excluding fuel), you earn 1 reward point.
Reward Redemption
1 reward point is equal to ₹1.
Movie & Dining
N/A
Travel
You get 8 free visits to railway lounges every year.
Golf
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Insurance Benefits
You get insurance for air accidents, railway accidents, and protection against fraud.
Interest Rates
3.5% interest per month.
Spend-Based Waiver
You can get the renewal fee waived if you spend ₹2 lakh in a year.
Rewards Redemption Fee
Rs. 99 plus taxes
Cash Advance Charges
A fee of 2.5% on the cash advance amount or ₹500, whichever is higher.
Foreign Currency Markup
3.50% +GST
Fuel Surcharge
You get a 1% discount on fuel charges.
Card Details
  • Earn up to 3 Reward Points (RP) for every ₹125 spent on dining or utilities.
  • Get 1 Reward Point for every ₹125 spent on other non-fuel retail purchases.
  • Enjoy a welcome bonus of 1,500 Reward Points when you sign up.
  • Earn up to 5,000 bonus Reward Points by reaching spending milestones.
  • Get free access to railway lounges for a comfortable travel experience.
  • Enjoy special benefits at over 900 hotels worldwide, with discounts and other perks.
  • Earn up to 10,000 miles for each night you stay at participating hotels.
  • Waive the renewal fee by meeting a specified spending target each year.
  • Get a 1% discount on fuel surcharge fees when buying fuel.
  • Access exclusive insurance coverage, including protection for emergencies like accidents and fraud.
Frequently Asked Questions

Can I earn Reward Points on fuel purchases?

No, fuel transactions do not earn Reward Points on the IRCTC SBI Card Premier.

Which categories earn me 3 Reward Points per Rs. 125 spent?

You will earn 3 Reward Points for every Rs. 125 spent on dining and utility standing instructions.

Is the annual fee waived if I meet a spending target?

Yes, the annual fee of Rs. 1,499 is waived if you spend Rs. 2 lakh in a year.

What is the value of the welcome bonus offered with the IRCTC SBI Card Premier?

By paying the joining fee of Rs. 1,499, you receive 1,500 Reward Points, which are equivalent to Rs. 1,500 (1 Reward Point = Re. 1).

Do I receive any complimentary lounge access with this card?

Yes, the IRCTC SBI Card Premier offers 2 free railway lounge accesses every quarter.

Leave a Reply

Restricted HTML

  • Allowed HTML tags: <a href hreflang> <em> <strong> <cite> <blockquote cite> <code> <ul type> <ol start type> <li> <dl> <dt> <dd> <h2 id> <h3 id> <h4 id> <h5 id> <h6 id>
  • Lines and paragraphs break automatically.
  • Web page addresses and email addresses turn into links automatically.