IRCTC SBI Card Premier

Name: IRCTC SBI Card Premier
Brand: SBI Card

WalletWalk Rating

Best for railway travelers seeking value and lounge access

Last updated: 23-Aug-2025

Overview

The IRCTC SBI Card Premier is crafted for frequent railway travelers, offering value back on train bookings, complimentary railway lounge access, and exclusive milestone rewards.

Pros

↑Up to 10% value back on IRCTC train bookings in form of RP
↑Milestone rewards up to 7,500 points

Cons

↓Air and rail accident insurance discontinued from July 2025
↓Minimal benefits outside of IRCTC ecosystem and travel spend

Key Highlights

Welcome Offer
Earn 1,500 RP as a welcome gift post first annual fee payment
Get 1,500 RP (1 point = ₹1) upon successful payment of the first-year annual fee

Reward Rate
1 - 3 RP / ₹125 on eligible spends + 10% value back RP
10% value back as RP on IRCTC train ticket bookings (AC1, AC2, AC3, Executive Chair, Chair Car)
3 RP / ₹125 spent on dining and utility bill
1 RP / ₹125 spent on other non-fuel retail spends

Joining Fee
₹1499

Annual Fee
₹1499

Key Benefits

Bill Payment

▼

3 RP / ₹125 on utility bill

Dining

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3 RP / ₹125 spent on dining + Discounts at Pizza Hut, Diva, Los Cavos, Milagro, and more via Visa Signature privileges

Food Delivery

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1 RP / ₹125 spent on retail spends including food delivery

Fuel

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1% fuel surcharge waiver on ₹500 - ₹4,000 spends

Grocery

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1 RP / ₹125 spent on retail spends including grocery

Lifestyle

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Discounts and offers at Times Prime, Edureka, ClassPass, and more via Visa Signature privileges

Milestone

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2,500 RP on ₹50,000 & 5,000 RP on ₹1L travel spend

Premium

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Visa Signature privileges, railway lounges, and concierge benefits.

Reward Points

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10% value back as RP on IRCTC train ticket bookings (AC1, AC2, AC3, Executive Chair, Chair Car)
3 RP / ₹125 spent on dining and utility bill
1 RP / ₹125 spent on other non-fuel retail spends

Shopping

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1 RP / ₹125 on retail spends + Discounts and offers at Lenskart, Senco Gold, Lenovo, and more via Visa Signature benefits.

Merchant Offers

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Discounts and offers at Lenskart, Senco Gold, Lenovo, Hertz, Avis car rentals, Edureka, Pizza Hut, and more via Visa Signature privileges

Travel

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10% value back as RP on IRCTC train ticket bookings (AC1, AC2, AC3, Executive Chair, Chair Car)

Railway

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8 complimentary lounge visits annually (2 / quarter)

Liability Protection

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₹1 lakh fraud liability cover

Insurance

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₹50L overseas accident cover (rail / air insurance discontinued from July 2025)

Balance Transfer

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No interest if payment made within 60 days.
Can be taken for ₹5,000 to max 75% of credit limit

Emi

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Convert purchases into EMI for transaction over ₹2,500

Detailed Information

Joining Fee	₹1499
Annual Fee	₹1499
Monthly Percentage Rate	3.50%
Annual Percentage Rate	42.00%
Foreign Currency Markup	3.50%
Late Payment Charges	₹400 - ₹1,300 (Based on outstanding amount due)
Overlimit Charges	2.5% of the overlimit amount that exceeds the credit limit or ₹600
Cash Advance Fee	2.5% (subject to min. of ₹500)
Balance Transfer Fee	Within 60 days, 2% or ₹199 (whichever is higher) - Within 180 days, interest charged at 1.7% p.m. (20.4% p.a) but nil fees
Card Replacement Fee	₹100
Fee For Cheque Bounce	2% of Payment amount (subject to a min. of ₹500)

Identity Proof	Recent passport size photograph, Copy of masked Aadhaar / Virtual ID card (both sides mask first 8-digits of Aadhaar Number), Voter ID Card (both sides), Driving License\* (both sides), Passport (any one of the mentioned)
Address Proof	Copy of masked Aadhaar / Virtual ID card (both sides mask first 8-digits of Aadhaar Number), Letter issued by the National Population Register containing details of name and address, Job card issued by NREGA duly signed by an officer of the State Government, utility bill.
Income Proof Salaried	Salary Slip, Income tax return
Income Proof Self Employed	Registration certificate, CST/VAT/ GST certificate (provisional/final), Permanent Account Number or the equivalent e-document thereof or Form 60

IRCTC SBI Card Premier

Age Requirement Salaried	21 to 70 years
Age Requirement Self Employed	21 to 70 years
Minimum Credit Score	750

Age Requirement Salaried	21 to 70 years
Age Requirement Self Employed	21 to 70 years
Minimum Credit Score	750