IRCTC SBI Premier Credit Card: Your Travel Companion for Train Journeys
Discover the IRCTC SBI Premier Credit Card, a co-branded travel credit card designed for frequent train travelers. Offering up to 10% value back on AC train bookings, complimentary railway lounge access, and milestone rewards, this card enhances your travel experience. With benefits like insurance coverage, fuel surcharge waivers, and flexible payment options, it’s perfect for IRCTC users. In this blog post, we’ll explore its features, rewards, fees, eligibility, and more to help you decide if this card suits your travel needs. Let’s get started!
About IRCTC SBI Premier Credit Card
The IRCTC SBI Premier Credit Card, a collaboration between SBI Card and IRCTC, is tailored for train travelers. Enjoy up to 10% value back on AC train bookings, 8 complimentary railway lounge visits yearly, and milestone rewards up to 7,500 points. With a joining fee of ₹1,499, it offers 1,500 welcome points, insurance coverage, and fuel surcharge waivers. Ideal for frequent IRCTC users, this card ensures savings and comfort on every journey. Explore its benefits, eligibility, and rewards to elevate your travel experience.
Basic Details of IRCTC SBI Premier Credit Card
| Feature | Details |
|---|---|
| Card Image | |
| Card Issuer | SBI Card (State Bank of India) |
| Joining Fee | ₹1,499 + GST |
| Renewal Fee | ₹1,499 + GST (Waived on ₹2 lakh annual spends) |
| Card Category | Travel |
| Rewards | Up to 10% value back on AC train tickets, 3 RP/₹125 on dining/utility |
| Airport Lounge | Not available |
| Railway Lounge | 8 visits/year (2/quarter) |
| Insurance | ₹50 lakh air accident, ₹10 lakh rail accident cover |
Extra Details of IRCTC SBI Premier Credit Card
- Accepted at over 24 million outlets globally, including 3.25 lakh in India.
- Chip-and-PIN enabled for enhanced security against counterfeiting.
- Supports contactless payments for quick transactions.
- Up to 2 add-on cards for family members above 18.
- Flexipay: Convert transactions above ₹2,500 into EMIs within 30 days.
- Balance Transfer: Transfer other card balances at lower interest rates.
- Easy Bill Pay facility for utility bill payments.
- 24x7 helpline for emergency card replacement worldwide.
- Reward points credited to IRCTC loyalty account within 45 days.
Features and Benefits
- Welcome Gift: 1,500 reward points (₹1,500 value) on joining.
- Milestone Rewards: 2,500 RP on ₹50,000 travel spends, 5,000 RP on ₹1 lakh travel spends.
- Railway Lounge: 8 complimentary visits/year (2/quarter) in cities like Delhi, Kolkata.
- Insurance: ₹50 lakh air accident, ₹10 lakh rail accident, ₹1 lakh fraud liability cover.
- Transaction Savings: 1% waiver on IRCTC railway ticket charges, 1.8% on air tickets.
- Fuel Surcharge Waiver: 1% on transactions between ₹500-₹4,000 (max ₹100/statement).
- Flexipay: Convert purchases above ₹2,500 into EMIs.
Rewards and Cashback
- IRCTC Train Bookings: Up to 10% value back as reward points on AC1, AC2, AC3, Executive Chair Car, Chair Car (1 RP = ₹1).
- Air Tickets: 5% value back on bookings via www.air.irctc.co.in.
- E-Catering: 5% value back on www.ecatering.irctc.co.in.
- Dining/Utility: 3 RP/₹125 (2.4% value) on dining and utility standing instructions.
- Other Retail: 1 RP/₹125 (0.8% value) on non-fuel retail, excluding rent, wallets, government payments.
- Milestone Rewards: 7,500 RP total on ₹1 lakh travel spends annually.
- Reward redemption fee: ₹99 for physical products/vouchers.
Fees and Charges
| Fee Type | Amount |
|---|---|
| Joining Fee | ₹1,499 + GST |
| Renewal Fee | ₹1,499 + GST (Waived on ₹2 lakh spends) |
| Finance Charges | 3.5% p.m. (42% p.a.) |
| Foreign Transaction Fee | 3.5% of transaction value |
| Fuel Surcharge Waiver | 1% (₹500-₹4,000, max ₹100/statement) |
| Reward Redemption Fee | ₹99 for physical products/vouchers |
| Cash Advance Fee | 2.5% or ₹500 (whichever is higher) |
Eligibility Criteria
- Age: 21 to 65 years.
- Income: Stable income (salaried or self-employed).
- Credit Score: Good credit score (typically 750+).
- Residency: Resident of India.
- Note: Specific income requirements may vary; contact SBI Card for details.
Documents Required
- Identity Proof: PAN Card, Aadhaar Card, Passport, or Voter ID.
- Address Proof: Aadhaar Card, Utility Bill, or Rental Agreement.
- Income Proof: Salary slips, ITR, or bank statements (last 3 months).
- Photograph: Recent passport-sized photograph.
- Note: Additional documents may be required per SBI Card’s policy.
How to Apply for IRCTC SBI Premier Credit Card
- Visit the SBI Card official website.
- Navigate to the IRCTC SBI Premier Credit Card page and click “Apply Now.”
- Fill in personal, professional, and KYC details in the application form.
- Submit the form for an instant preliminary decision.
- Complete verification via a call from the SBI Card team.
- Receive the card within 7-14 working days if approved.
How to Maximize Benefits
- IRCTC Bookings: Book AC train tickets on irctc.co.in or IRCTC app for 10% value back.
- Air Tickets: Use www.air.irctc.co.in for 5% value back on flight bookings.
- E-Catering: Order meals via www.ecatering.irctc.co.in for 5% value back.
- Railway Lounges: Access lounges in Delhi, Kolkata, Jaipur, etc., 8 times/year.
- Milestone Spends: Spend ₹1 lakh on travel to earn 7,500 RP and ₹2 lakh for fee waiver.
- Fuel: Use at petrol pumps for 1% surcharge waiver (₹500-₹4,000).
- Dining/Utility: Set standing instructions for 2.4% rewards.
Other Banks’ Similar Cards
- Yatra SBI Credit Card: Up to 6,000 reward points on travel spends, lounge access.
- Air India SBI Signature Card: 20,000 RP on joining, accelerated air miles.
- HDFC Regalia Credit Card: 4 RP/₹150 on travel, 12 domestic lounge visits.
- Axis Vistara Signature Card: Free economy ticket, lounge access, Vistara points.
Official Websites and Apply Link
IRCTC SBI Premier Credit Card Review
The IRCTC SBI Premier Credit Card is a great pick for frequent train travelers, offering 10% value back on AC train bookings and 8 railway lounge visits annually. The 7,500 milestone points and insurance coverage add significant value. However, the ₹1,499 fee and low 0.8% reward rate on non-travel spends may not appeal to occasional IRCTC users. Compared to HDFC Regalia, it lacks airport lounge access. Best for IRCTC loyalists who can hit the ₹2 lakh spend for fee waiver.
[](https://cardmaven.in/irctc-sbi-premier-credit-card/)Frequently Asked Questions (FAQs)
Who is eligible for the IRCTC SBI Premier Credit Card?
Individuals aged 21-65 with a stable income, good credit score (750+), and Indian residency are eligible. Specific income criteria may vary.
[](https://www.sbicard.com/en/eapply.page)How can I redeem reward points?
Link your IRCTC SBI Card loyalty number to your IRCTC login ID and redeem points (1 RP = ₹1) for train tickets on irctc.co.in or the IRCTC app. A ₹99 fee applies for physical vouchers.
[](https://www.sbicard.com/en/personal/credit-cards/travel/irctc-premier-card.page)Is the annual fee waivable?
Yes, the ₹1,499 renewal fee is waived if you spend ₹2 lakh annually.
[](https://www.sbicard.com/en/personal/credit-cards/travel/irctc-premier-card.page)Which railway lounges can I access?
Access lounges in cities like Delhi, Kolkata, Jaipur, Agra, and Ahmedabad, up to 8 times/year (2/quarter).
[](https://cardmaven.in/irctc-sbi-premier-credit-card/)Is this card good for non-IRCTC spends?
The card offers only 0.8% rewards on non-travel spends, so cards like HDFC Regalia may be better for general use.
[](https://cardmaven.in/irctc-sbi-premier-credit-card/)Disclaimer
The information provided about the IRCTC SBI Premier Credit Card is for informational purposes only and may not be accurate or up-to-date. This is not an official website of SBI Card or IRCTC. Please verify details with the official SBI Card website or contact their customer care before applying. CreditCardPath.in is not liable for any discrepancies or financial decisions made based on this content.
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