IRCTC SBI Card Premier

  • Joining Fee: Rs.1,499 plus applicable taxes
  • Renewal Fee: Rs. 1,499
  • Best Suited For: Travel
  • Reward Type: Reward Points
  • Welcome Benefites: 1,500 Reward Points
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The IRCTC SBI Card Premier is a co-branded credit card issued by the SBI Card in partnership with The card comes with a joining fee of Rs. 1,499 and you get a welcome bonus of 1,500 Reward Points. You can earn up to 3 Reward Points every time you spend Rs. 125. This card also provides you with exclusive travel benefits that include complimentary railway lounge access every year, exciting benefits at over 900 hotels worldwide, saving on railway/flight ticket bookings on, and many more. Along with all these exciting offers, you can earn up to 5,000 Reward Points every year on achieving the milestone spend. You can make your credit card lifetime free by getting your renewal fee waived off every year on a minimum spend of Rs. 2 lakhs in an anniversary year. There are many more benefits of the IRCTC SBI Card Premier that let you save more & more. To know all of its advantages, refer to the detailed information given below:

New Features

Spend Based Waiver

Spend-based waiver of renewal fee on the basis of the amount spent in the previous year.

Interest Rates

3.5% per month

Add-on Card Fee


Rewards Redemption Fee

Rs. 99

Fuel Surcharge

1% fuel surcharge waiver

Foreign Currency Markup

3.5% on all international transactions

Cash Advance Charges

2.5% of the cash advance or Rs. 500, the higher of the two.

Movie & Dining



Complimentary access to railway lounges per year

International Lounge Access


Rewards Rate

For every Rs. 125 spent on dining and another utility spend, you get 3 reward points and for every Rs. 125 spent on other non-fuel purchases you get 1 reward point.



Insurance Benefits

You get insurance coverage against air accidents, railway accidents, and a fraud liability cover.

Reward Redemption

1 Reward Point = Re. 1.

Domestic Lounge Access

8 complimentary visits to railway lounges every year (2 each quarter) within India

Zero Liability Protection

Zero liability of credit cardholders for any unlawful transactions made through his/her card post reporting the loss to the bank.


No data available


No data available

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