State Bank of India
IRCTC Premier SBI Card
Best for IRCTC rail travellers, premium
₹1,500/yr annual fee
By FinWiz24 Research Desk · Last reviewed · How we review
FinWiz24 Research Desk
Verified independently against issuer Terms & Conditions
Editorial Team
Annual fee
₹1,500/yr
Reward rate
Not published
Min. income
₹3,00,000
Forex markup
Not published
Lounge access
Domestic only
Eligibility
₹3 lakh/yr · CIBIL 700+
Reward cap
10,000 RP
Welcome benefit
Premium rail booking benefits
Who is this for
- Frequent rail traveler
- Premium rail enthusiast
What we like
- 5X reward points on rail bookings
- Premium lounge access
Watch out for
- Rs 750 late-payment fee
Issuer
Fees and charges
| Fee | Amount | Waiver |
|---|---|---|
| Joining fee | ₹1,500 | Not waivable |
| Annual fee | ₹1,500 | Waived on Rs 5 lakh annual spend |
| Late payment | ₹750 | Not waivable |
| Fuel surcharge | 1% | 1% surcharge waived on fuel Rs 500-3,000 |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| TRAVEL | 5 RP per Rs 100 on IRCTC/rail spends | 10,000 RP | 1 RP = Rs 0.30 (IRCTC tickets) |
| All spends | 2 RP per Rs 100 on other spends | No cap | 1 RP = Rs 0.25 |
Benefits
-
Domestic lounge access Highlight
Complimentary domestic airport lounge access
-
Railway lounge access Highlight
Complimentary railway lounge access
-
Milestone benefits Highlight
Premium rail booking benefits
-
Fuel surcharge waiver
1% waiver on fuel transactions Rs 500-3,000
Eligibility
- Age
- 21–65 years
- Min. income
- ₹3,00,000
- Min. credit score
- 700+
- Score note
- Good credit score
- Employment
- Salaried, self-employed
- Documents
- PAN, Aadhaar, salary slips / ITR
IRCTC Premier SBI Card is a VISA credit card from State Bank of India. It is best suited for IRCTC rail travellers, premium.
Fees and rewards
- Annual fee: Rs 1,500
- Joining fee: Rs 1,500
- Rewards: 5 RP per Rs 100 on IRCTC/rail spends; 2 RP per Rs 100 on other spends
Eligibility
PAN, Aadhaar, salary slips / ITR
Card data compiled from issuer published fee schedules. Status: active.
Apply for IRCTC Premier SBI Card
Last reviewed · How we review
FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.
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Frequently asked questions
Is the IRCTC Premier SBI Card worth it?
What is the annual fee for the IRCTC Premier SBI Card?
How does the IRCTC Premier SBI Card reward rate work?
What are the eligibility requirements for the IRCTC Premier SBI Card?
Does the IRCTC Premier SBI Card offer airport lounge access?
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