IRCTC SBI Card Premier
Travel
Co-branded
Reward Points
1st Year Fee: ₹1,499* Plus Applicable Taxes
Co-branded
Up to 10% value back on IRCTC
Lounge Access
8 railway lounge visits annually
Rewards
3X rewards on dining & utility
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About IRCTC SBI Card Premier
IRCTC SBI Card Premier is a co-branded travel credit card designed to offer benefits on railway bookings. This is the premium variant of IRCTC SBI Platinum Credit Card and offers comparatively better benefits. With this card, you can save up to 10% on your train bookings, along with a waiver of 1% transaction charges on railway bookings.
You can earn these savings back in the form of reward points and redeem them against IRCTC ticket purchases at a value of 1 RP = Rs. 1. The card also offers two milestone benefits worth Rs. 7,500 on annual spends of up to Rs. 1 Lakh. For frequent travellers, this can help save significantly on travel bookings. Additionally, the card compensates for the joining fee by offering 1,500 reward points (worth Rs. 1,500) equivalent to the joining fee.
Travel Benefits
Value Back Benefits
- 10% value back on AC1, AC2, AC3, Executive Chair car and Chair Car 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
Transaction Charge Waiver
- 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
Other Features and Benefits
Welcome Benefit: 1,500 reward points equivalent to Rs. 1,500 on the payment of first annual fee.
Rewards Program
- 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)1
Milestone Benefits
- 2,500 reward points on annual travel spends of Rs. 50,000
- 5,000 reward points on annual travel spends of Rs. 1 Lakh
IRCTC SBI Card Premier: Fees & Charges
| Particulars | Amount | ||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining/Annual Fee | Rs. 1,499 + applicable taxes | ||||||||||||||
| Finance Charges | 3.75% p.m. (45% p.a.) | ||||||||||||||
| Late Payment Charges |
|
Things to Know Before you apply
Get this card if
You are a frequent domestic traveller who prefers to make bookings via IRCTC
You can spend Rs. 1 Lakh in a year to earn milestone benefits of 7,500 reward points
You prefer a card that compensates the joining fee (Rs. 1,500) with reward points of equal value
You want complimentary railway lounge access to enhance your travel experience
Eligibility & Documentation
Age: 18 to 60 years
Occupation: Salaried or Self-employed
Documents Required: Valid proof of identity, address, and income
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What do we like about this card?
Although this co-branded credit card is primarily focused on train travel, it also offers decent value back on other travel expenses. You can earn 5% value back on air travel bookings and accelerated reward points (3X) on dining and utility spends. Additionally, along with reward points, you can save up to 1.8% on transaction charges for IRCTC bookings, making it a well-rounded option for domestic travellers who prefer booking through IRCTC.
Pros
- Redemption of reward points against IRCTC bookings at a 1:1 ratio
- Good frequency of complimentary railway lounge visits
- Easily achievable spending milestones of Rs. 50,000 & Rs. 1 Lakh
- Accelerated rewards on dining and utility spends
Cons
- Low reward rate on general spends
- No general travel benefits like airport lounge access or direct discounts on travel spends
Conclusion
IRCTC SBI Card Premier is best suited for frequent travellers who make bookings via IRCTC app or website. Apart from railway ticket bookings, the card also offers decent value back on air travel and other travel-related expenses. Additionally, you can earn reward points on your retail purchases as well. You can maximize the benefits of this credit card by spending Rs. 1 Lakh in a year, which earns you 7,500 reward points. However, if you do not frequently book through IRCTC, this card might not be the best option for you.
Frequently Asked Questions
Everything you need to know about this credit card
Yes, to apply for 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.
To apply for SBI IRCTC Premier Credit Card online, you can visit the official website of SBI Card. To apply offline, you can visit any of the nearest branches of SBI Card and submit a duly filled application form along with the relevant documents.
Yes, SBI Card allows you to have more than one credit card. However, you must meet the eligibility criteria set by the issuer to apply for this credit card. Also, SBI Card prefers to give credit cards to people who have a good credit score (preferably 750+).
As soon as you notice the loss of your credit card, you must inform the issuer 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.
You can avail 1% fuel surcharge waiver, 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.
Generally, SBI Card 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.
Footnotes
- Reward points remain valid for 2 years from the date of accrual.
Click here to know More Terms and Conditions
Shruti Sharma
Shruti Sharma is a skilled content writer with a passion for simplifying personal finance for consumers. Specializing in credit cards and financial planning, she offers valuable insights that empower individuals to make informed financial choices. Through her writing, she shares practical tips and guides readers through the nuances of credit card usage.
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