IRCTC SBI Premier Credit Card
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IRCTC SBI Premier Credit Card

cat name Travel
cat name Reward Points

Best Suited For: Travel

Joining Fee: ₹1,499 Plus Applicable Taxes

Renewal Fee: ₹1,499 Plus Applicable Taxes

cat name Travel
cat name Reward Points

Best Suited For: Travel

Joining Fee: ₹1,499 Plus Applicable Taxes

Renewal Fee: ₹1,499 Plus Applicable Taxes

Best Feature:- 10% value back on ticket bookings via IRCTC *

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The IRCTC SBI Card Premier is a co-branded credit card of SBI Card and IRCTC, it offers exclusive benefits for train travelers. With a joining fee of Rs. 1,499, the card provides up to 3 Reward Points for every Rs. 125 spent on dining and utilities. Cardholders can enjoy complimentary railway lounge access, exclusive discounts on IRCTC bookings, and insurance coverage. With this card, You can earn up to 5,000 Reward Points annually through milestone spending. You can get your annual fee and the renewal fee waived by spending Rs. 2 lakh in a year. This card is the perfect choice for frequent travelers who want to make the most of their railway journeys with added perks and rewards.

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All You Need To Know

Card Type

Travel

Welcome Benefits
  • 1,500 Bonus Reward Points: On payment of the first annual fee, get 1,500 reward points worth Rs. 1,500. These points can be redeemed on the IRCTC website or mobile app after linking the card to your IRCTC user account.
Value Back Benefits
  • Up to 10% Value Back on IRCTC Purchases:
    • 10% Value Back on AC1, AC2, AC3, and AC CC tickets booked through the IRCTC website or mobile app (Android only).
    • 5% Value Back on air tickets and e-catering purchases made through IRCTC.
  • Save on Transaction Charges:
    • 1% Transaction Charge Waiver on railway ticket bookings via www.irctc.co.in.
    • 1.8% Transaction Charge Waiver on airline ticket bookings through www.air.irctc.co.in.
Reward Points Program
  • 3 Reward Points for every Rs. 125 spent on dining and utility bill payments.
  • 1 Reward Point for every Rs. 125 spent on non-fuel retail purchases (including railway tickets booked on the IRCTC mobile app or website).
  • Reward Redemption: 1 reward point = Rs. 1, which can be redeemed for train and flight bookings, as well as other rewards via the IRCTC platform.
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.
  • Annual Fee Reversal: If you spend Rs. 2 lakh in a year, the annual fee of Rs. 1,499 will be waived.
Travel Benefits
  • 8 Complimentary Railway Lounge Visits: Enjoy access to participating railway lounges across India (Max. 2 per quarter).
  • VISA Privileges:
    • 10% Off on car rentals from Hertz.
    • 35% Off on car rentals from Avis.
    • Earn up to 10,000 Reward Points and 25% additional points on hotel stays via Kaligo.com.
Insurance Benefits
  • Rail Accident Insurance: Complimentary cover of up to Rs. 10 lakh.
  • Air Travel Accident Insurance: Complimentary cover of up to Rs. 50 lakh.
  • Fraud Liability Cover: Complimentary fraud liability cover of up to Rs. 1 lakh.
Fuel Benefits
  • 1% Fuel Surcharge Waiver: Applicable on all fuel purchases ranging from Rs. 500 to Rs. 4,000 at all fuel stations across India (exclusive of GST and other charges).
Additional Benefits
  • Flexipay: Convert transactions above Rs. 2,500 into easy monthly installments.
  • Easy Money Facility: Withdraw funds from your credit card as needed.

IRCTC SBI Bank Premier Credit Card Eligibility:

  • Age: The candidate needs to be a minimum of 18 years old.
  • Employment status: The main candidate needs to be self-employed or on a salary.
  • Nationality: He or she needs to be an Indian citizen.
  • Credit Score: Candidates with a high credit score will be able to apply for the card.

Documents Required to Apply for SBI Prime Credit Card

  • A copy of Form 60 or PAN card.
  • Filled Credit Card Application Form.
  • Color passport-sized photos of the candidate.
  • Identity verification: Aadhaar card, PAN, driver's license, etc.
  • Income proof: Form 16, an IT return copy, etc.
  • Address Proof Such as an Aadhar card, Ration card, power bill, or passport.

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 annual spends of Rs. 2 lakh)
Finance Charges 3.5% p.m. (42% p.a.)
Add-on Fee (per annum) Nil
Late Payment Charges** 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
Card replacement fee Rs.100
Cash payment fee Rs.250 + taxes
Cash advance fee 2.5% or Rs. 500 whichever is higher
Missed payment charges Rs.100

**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.

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FAQs

Yes, the IRCTC SBI Card Premier requires applicants to submit a PAN Card as part of the documentation process. You will need to provide proof of identity, address proof, and income details to complete your application.

You can apply for the IRCTC SBI Card Premier by visiting the official SBI Card website or visiting the SBI branch.

If your IRCTC SBI Card Premier is lost or stolen, report it to SBI Credit Card customer service immediately to prevent unauthorized transactions. You can also request a replacement card for future use.

To track your application status for the IRCTC SBI Card Premier, visit the SBI Card website and enter your application number. You mayalso receive status updates via SMS on your registered mobile number.

Yes, the IRCTC SBI Card Premier offers an annual fee wavier if you spend Rs. 2 lakh or more within the year.

On paying the annual fee of Rs. 1,499, you receive 1,500 reward points, equivalent to Rs. 1,500 of the welcome gift. These points can be redeemed for IRCTC travel bookings and other benefits.

Please click the links below to find details and instructions related to SBI Credit Cards that can help you in easily managing your card:

Check if you are eligible for the SBI IRCTC Premier Credit Card on
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