Visa, RuPay 📡 Contactless NFC

IRCTC SBI Card Premier

Joining Fee₹1,499

Annual Fee₹1,499

Forex Markup 3.5%

Apply Now →

⚖️ Card Verdict & Target Persona

Who Should Apply

Frequent train travelers and railway commuters booking AC ticket classes looking for 10% valueback, 8 railway lounge visits, 4 airport lounge visits, and RuPay UPI support.

Who Should Avoid

Users who rarely travel by train or those seeking fee waiver thresholds.

🎁 Key Features & Highlights

🎉

Joining & Activation Welcome Gift

1,000 bonus Reward Points (worth ₹1,000) upon payment of joining fee and realization

Up to 10% Valueback on AC Train Tickets

Earn up to 10% valueback as Reward Points on AC1, AC2, AC3, and Executive Chair Car bookings via irctc.co.in and the IRCTC Mobile App.

8 Complimentary Railway Lounge Visits

8 complimentary railway lounge visits per calendar year (max 2 per quarter) at participating railway executive lounges in India.

4 Domestic Airport Lounge Visits

4 complimentary domestic airport lounge visits per calendar year (max 1 per quarter).

💰 Reward Structure & Point Valuation

1 Reward Points = ₹1

Standard Base Earning

1 Reward Point per ₹125 spent on all other non-fuel retail purchases (0.80% return; 1 RP = ₹1.00 for IRCTC tickets)

Accelerated / Partner Rate

Up to 10% valueback (as Reward Points) on AC1, AC2, AC3, EC, and CC train ticket bookings via irctc.co.in / IRCTC app; 1% transaction surcharge waiver on IRCTC bookings

Points Validity:36 Months

Redemption Fee: ₹0 (Free)

Redemption Modes: Train Ticket Bookings via irctc.co.in (1 RP = ₹1.00), SBI Rewards Catalog Vouchers

🚫 No Reward Points / Cashback on:

Fuel Wallet Loads Government Transactions Rent Payments Cash Advances EMI

🛋️ Airport Lounge Access & Spend Criteria

✓ Lounge Access Active

🛫

Domestic Lounge Visits4 complimentary domestic airport lounge visits + 8 railway lounge visits per calendar year

🌐

International Lounge VisitsNone

⚠️

Spend Criteria: None (Unconditional complimentary access)

⚡ Spend Milestones & Special Perks

Annual Fee Waiver Lifetime Free (₹0)

Annual renewal fee of ₹1,499 + GST applies annually with bonus reward points credited

UPI Payments Support✓ Supported (RuPay)

1 Reward Point per ₹125 on eligible merchant RuPay UPI QR transactions

Fuel Surcharge Waiver1% Surcharge Waived

1% fuel surcharge waiver for transactions between ₹500 and ₹4,000 (Capped at ₹250/mo)

📋 Eligibility Criteria

✓ Official Criteria

Age Limit21 - 60 Years

Min. Monthly Income₹25,000

Min. Credit Score720 CRIF

Employment TypeSalaried / Self-Employed

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):3.50% per month (42.0% per annum)

Late Payment Penalties:Late payment charges slab-based up to ₹1,300

Official Bank Portal Application

Get the IRCTC SBI Card Premier

Annual Fee: ₹1,499/yr (Waivable)

Apply Online Now →

Personalized Card Matcher

Still Confused About Your Best Match?

Don’t guess your cashback. Tell CardGuru your monthly grocery, UPI, and online shopping spends to calculate your exact net rupee returns in 10 seconds.

⚡ Instant Net Yield Math•🛋️ Lounge Fee Gate Check•🆓 100% Free & Impartial

Ask CardGuru Now→Takes less than 15 seconds

Best Credit Cards for 720 CIBIL Score LTF Cards for Salary Under ₹25,000 All SBI Card Credit Cards Lounge Access Credit Cards RuPay UPI Credit Cards Best Visa Credit Cards Best RuPay Credit Cards

Frequently Asked Questions

No, IRCTC SBI Card Premier has a joining fee of ₹1499 and an annual renewal fee of ₹1499 (plus applicable taxes).

IRCTC SBI Card Premier ₹1,499/yr