IRCTC SBI Card Premier – For Railway Ticket Bookings

IRCTC SBI Card Premier is a co-branded travel credit card that offers privileges like bonus reward points, value back on your bookings, railway lounge access, fuel surcharge waiver and much more. Here are some of the major SBI IRCTC Premier Card benefits:

Welcome Benefit worth Rs. 1,500

1,500 reward points equivalent to Rs. 1,500 on the payment of the first annual fee (1 reward point = Re. 1). These bonus reward points will be credited to your IRCTC SBI Premier Card account within 45 days of eligible transactions. You can redeem these points at the IRCTC website and mobile app after linking your IRCTC SBI Card loyalty number with your IRCTC user account.

Up to 10% Value Back  

You will get value back on train tickets, air tickets and e-catering purchases made through IRCTC. Following are the details regarding the same:

• 10% value back on AC1, AC2, AC3, AC CC as reward points for your ticket purchases via IRCTC website or mobile app (for Android only)
• 5% value back on air ticket purchases on IRCTC
• 5% value back on e-catering purchases on IRCTC

Save Up to 1.8% on IRCTC

Get exclusive travel discounts on all your bookings via IRCTC as per the below details:

• Save 1% transaction charges on railway ticket bookings through www.irctc.co.in
• Save 1.8% transaction charges on airline ticket bookings through www.air.irctc.co.in
• Avail accommodation at over 5,000 hotels, covering 350 cities in India

Also look for: Best Credit Cards for Railway Bookings

Up to 3 Reward Points

You can earn up to 3X reward points on your transactions at selected categories as per the below details:

• 3 reward points per Rs. 125 spent on dining and standing instructions on utility
• 1 reward point per Rs. 125 spent on other retail purchases (non-fuel), including railway ticket purchases at IRCTC mobile app or website (Android only)

Milestone Benefits of Up to 5,000 Reward Points

You can get up to 5,000 reward points and an annual fee reversal on achieving the spending milestones. Here are the details regarding the same:

• 2,500 reward points on annual travel spend* of Rs. 50,000
• 5,000 reward points on annual travel spend* of Rs. 1 lakh
• Reversal of annual fee on spending Rs. 2 lakh in a year

*The reward points will be credited within 15 days of achieving spends.

Other Benefits

Apart from reward points and travel benefits, this credit card also offers some other benefits, which are mentioned below:

Railway Lounge Program: 8 complimentary railway lounge access in a year to participating lounges in India (Max. 2 per quarter).

Insurance Cover: You can avail insurance coverage with your card as per the below details:

• Complimentary rail accident insurance of Rs. 10 lakh
• Complimentary air accident insurance of Rs. 50 lakh
• Complimentary fraud liability cover of Rs. 1 lakh

Fuel Surcharge Waiver: 1% fuel surcharge waiver (Max Rs. 250 per statement) across all petrol pumps in India, on transactions between Rs. 500 and Rs. 4,000 (exclusive of GST and other charges). 

Visa Privileges: Along with this card, you can earn the below Visa privileges:

• Up to 10% off on Hertz car rentals and up to 35% off on Avis car rentals
• Exclusive benefits across 900 luxury hotels worldwide
• Up to 10,000 miles per night on hotel stay plus 25% extra miles on Kaligo.com

Suggested read: Top 10 SBI Credit Cards in India

Below mentioned are the fees and charges associated with SBI IRCTC Premier Card:

Type of Fee/ Charge	Amount
Joining Fee	Rs. 1,499
Annual/ Renewal Fee	Rs. 1,499 (Reversed on spending Rs. 2 lakh in a year)
Finance Charges	3.5% p.m. (42% p.a.)
Late Payment Fee**	For Statement Balance Less than Rs. 500: Nil Rs. 500 up to Rs. 1,000: Rs. 400 Rs. 1,000 up to Rs. 10,000: Rs. 750 Rs. 10,000 up to Rs. 25,000: Rs. 950 Rs. 25,000 up to Rs. 50,000: Rs. 1,100 Amount over Rs. 50,000: Rs. 1,300

*Click here for most important terms and conditions.

**An additional late payment charge of Rs. 100 will be levied on missing payment of Minimum Amount Due (MAD) by the due date for two consecutive cycles. This charge will continue to be levied for every payment cycle until the MAD is cleared.

To be eligible for IRCTC SBI Card Premier, you must have a decent credit score (preferably 750+). In addition to this, you must meet the eligibility criteria as mentioned in the table below:

IRCTC SBI Card Premier is best suited for you if you are a frequent traveler and make bookings via IRCTC app or website. Apart from ticket bookings, you can also earn reward points on your retail purchases along with complimentary railway lounge access every year.

Overall, this is a great credit card for people who frequently travel as it offers good returns on air and travel bookings. However, this card will be more beneficial if you can spend Rs. 2 lakh p.a. on your travel bookings, otherwise you have to pay the renewal fee of Rs. 1,499. Also, if you do not frequently make bookings via IRCTC, then this card might not be the best option for you. If you are not looking for a high annual fee credit card, then you can also apply for IRCTC SBI Platinum Card.

Planning to apply for IRCTC SBI Credit Card, read our detailed SBI IRCTC Credit Cards review.

A few of the similar credit cards are mentioned in the table below:

Q. Is PAN Card submission required for IRCTC SBI Card Premier?

A. Yes, to avail this credit card, you need to submit relevant documents, which include identity proof, address proof and income proof. For identity proof, you can submit PAN Card, Aadhaar Card, Driver’s License, Voter’s ID Card and other relevant documents.

Q. How can I apply for IRCTC SBI Card Premier?

A. To apply for SBI IRCTC Premier Credit Card online, you can visit the official website of SBI Card. The bank also allows you to apply offline for this credit card. To do so, you can visit any of the nearest branches of the bank and submit a duly filled application form along with the relevant documents.

Q. I already have a credit card; can I apply for IRCTC SBI Card Premier?

A. Yes, the bank allows you to have more than one credit card. However, you must meet the eligibility criteria set by the bank to apply for this credit card. Also, the bank prefers to give credit cards to people who have a good credit score (preferably 750+).

Q. What should I do if I lose my IRCTC SBI Card Premier?

A. As soon as you notice the loss of your credit card, you must inform the bank to protect yourself from any fraudulent transaction. You can call on the SBI Credit Card customer care number to inform them about your loss and block your credit card. You can also ask the representative to send you the replacement of the card.

Q. What is the maximum fuel surcharge waiver offered by IRCTC SBI Card Premie?

A. You can avail a fuel surcharge waiver of 1% or a maximum of Rs. 250 per statement cycle on your transactions across all petrol pumps. However, the fuel surcharge waiver is offered only on your transactions between Rs. 500 and Rs. 4,000.

Q. How can I check the application status of my IRCTC SBI Card Premier?

A. Generally, the bank informs you about the updated application status via SMS on your registered mobile number. If you want to track your application status, you can visit the official website of SBI Card and check the same by entering the application number. Besides this, you can also call on customer care and ask the representative about the application status.