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IRCTC SBI Card Premier: Fees, Rewards & Benefits Review

Published: October 09, 2026 By Credit Card Path Editorial
IRCTC Cards SBI Cards
IRCTC SBI Card Premier credit card official image showing travel rewards benefits

Looking for the best way to maximise savings on every IRCTC train booking? The IRCTC SBI Card Premier is a co-branded travel credit card that delivers up to 10% value back on AC class tickets, 8 complimentary railway lounge visits, and milestone rewards. This complete review covers fees, rewards, eligibility, and whether the IRCTC SBI Card Premier is right for your travel style.

1. Brief Introduction (Card Overview)

•
Card Name: IRCTC SBI Card Premier
•
Issuer Bank: SBI Cards and Payment Services Limited (in partnership with IRCTC)
•
Card Network: Visa / RuPay
•
Card Type: Travel / Co-branded Rewards
•
Ideal User for this Card: Frequent train travellers who book AC class tickets regularly on the IRCTC website or app and value railway lounge access

2. Key Takeaways

  • Best for: Frequent IRCTC AC train travellers
  • Top Benefit: Up to 10% value back on AC class tickets via IRCTC
  • Annual Fee: ₹1,499 + taxes (reversed on ₹2 lakh annual spends)
  • Standout Feature: 8 railway lounge accesses per year (max 2 per quarter)
  • Verdict: Excellent value if you book trains often; less useful for occasional travellers

3. Fees & Charges

Fee TypeDetails
Joining Fee₹1,499 + applicable taxes
Annual / Renewal Fee₹1,499 + taxes; reversed on annual spends of ₹2 lakh or more
Forex Markup Fee3.5% on foreign currency transactions
Finance Charges (Interest)Up to 3.75% per month (approx. 45% p.a.)
Reward Redemption Fee₹99 per redemption (as applicable)

4. Cashback, Rewards & Discounts

★
Welcome Benefit: 1,500 Reward Points (worth ₹1,500) on payment of the first annual fee (1 RP = ₹1)
★
IRCTC Train Tickets: Up to 10% value back as Reward Points on AC1, AC2, AC3, Executive Chair Car and Chair Car bookings via IRCTC website or mobile app
★
IRCTC Air & e-Catering: 5% value back on air tickets (air.irctc.co.in) and e-catering purchases
★
Dining & Utility SI: 3 Reward Points per ₹125 spent
★
Other Retail (non-fuel): 1 Reward Point per ₹125 spent
★
Milestone Benefits: 2,500 RP on ₹50,000 annual travel spends + additional 5,000 RP on ₹1 lakh travel spends

5. Travel Benefits

🚂
Railway Lounge Access: 8 complimentary visits per year at participating IRCTC Executive Lounges (maximum 2 per quarter; primary cardholder only)
🚂
Transaction Charge Waiver: 1% on railway ticket bookings and 1.8% on airline ticket bookings made via IRCTC platforms
🚂
Insurance: Complimentary fraud liability cover of ₹1 lakh (note: air and rail accident covers were discontinued with effect from 26 July 2025 as per official updates)

6. Other Lifestyle & Special Perks

⛽
Fuel Surcharge Waiver: 1% waiver on fuel transactions between ₹500 and ₹4,000 (maximum ₹250 per statement cycle)
📱
Contactless & Easy Bill Pay: Tap-and-pay enabled; utility bill payments via SBI Card channels
🎁
Add-on Cards: Available at no extra fee (as per bank policy)

7. Eligibility Criteria

•
Age: Typically 18–60 years (salaried) or up to 65 for self-employed; exact limits as per bank assessment
•
Employment: Salaried or self-employed Indian residents
•
Income: Stable source of income required (bank assesses case-by-case; higher income improves approval chances)
•
CIBIL Score: Good credit score preferred (ideally 750+)

8. Drawbacks & Cons

–
High Annual Fee: ₹1,499 + taxes is meaningful if you do not reach the ₹2 lakh spend waiver
–
Low Base Rewards: Only ~0.8% on general retail spends; value is heavily concentrated on IRCTC bookings
–
No Airport Lounge: Only railway lounge access; no domestic or international airport lounges
–
Forex Markup: 3.5% makes it less ideal for international spends

9. Similar & Alternative Cards

↔
IRCTC SBI Card (regular): Lower ₹500 fee but only 4 railway lounge visits and slightly lower overall benefits. Good if you travel less frequently. [LINK: Best Travel Credit Cards in India]
↔
IRCTC HDFC / BOB / RBL Cards: Competing co-branded options with different reward structures and fees. Compare based on your booking volume. [LINK: Best Co-branded Credit Cards in India]
↔
SBI Prime or Elite: Better for those seeking airport lounges and broader lifestyle rewards rather than pure railway focus. [LINK: Best Cashback Credit Cards in India]

10. Official Website & Essential Links

🔗
Official Bank Link: Apply / View Official Page
🔗
IRCTC Co-brand Page: View IRCTC Official Details
🔗
Terms & Conditions: View T&C

11. How to Apply

Online Steps:

  1. Visit the official SBI Card website or the IRCTC co-brand page and select IRCTC SBI Card Premier.
  2. Click “Apply Now” and enter your personal details (name, mobile, PAN, date of birth, city).
  3. Fill professional and income details along with KYC address information.
  4. Upload or submit required documents and complete the application form.
  5. Submit the form. You will receive application status updates via SMS/email. Approval is subject to bank verification.

Documents Required:

📄
Identity Proof: PAN Card (mandatory), Aadhaar, Passport, Voter ID or Driving Licence
📄
Address Proof: Aadhaar, Passport, utility bill or bank statement
📄
Income Proof: Latest salary slips, Form 16, ITR or bank statements (as required by the bank)

12. Safety & Fraud Prevention Tips

🔒
OTP & CVV Security: Banks or officials never ask for OTP, CVV, or passwords over the phone.
🔒
Safe Links: Always use verified and secure channels (official SBI Card or IRCTC websites) to avoid any online fraud.

13. Should You Get This Card? (Final Verdict)

Pros Summary: Frequent IRCTC users who book AC class tickets regularly will recover the fee quickly through value-back rewards, milestones and lounge access. The welcome points almost offset the first-year fee.

Final Conclusion: The IRCTC SBI Card Premier is a strong choice if train travel is a major part of your spending. If you book only occasionally or prefer airport lounges and higher general rewards, explore other options. Always verify the latest terms on the official SBI Card website before applying.

14. Frequently Asked Questions (FAQs)

Q: Can this card be obtained as Lifetime Free?

A: No. The IRCTC SBI Card Premier has a joining and annual fee of ₹1,499 + taxes. The renewal fee is reversed only if you spend ₹2 lakh or more in the membership year. It is not a lifetime-free card.

Q: What is the reward rate on IRCTC train tickets?

A: You can earn up to 10% value back as Reward Points on AC1, AC2, AC3, Executive Chair Car and Chair Car tickets booked through the IRCTC website or mobile app. Rates can vary seasonally; check current terms on the official site.

Q: How many railway lounge visits do I get?

A: Primary cardholders receive 8 complimentary railway lounge accesses per year at participating IRCTC Executive Lounges, limited to a maximum of 2 visits per quarter.

Q: Is the annual fee waived?

A: Yes. The renewal fee is reversed if your total spends reach ₹2 lakh or more in the preceding membership year.

Q: Can I redeem Reward Points on IRCTC tickets?

A: Yes. Reward Points (1 RP = ₹1) can be transferred to your IRCTC Loyalty account and redeemed while booking tickets on the IRCTC website or Android app, subject to terms.

Q: What is the forex markup on this card?

A: The card charges 3.5% forex markup on foreign currency transactions, making it better suited for domestic railway and travel spends than international use.

Q: Who should avoid the IRCTC SBI Card Premier?

A: Occasional train travellers, those seeking airport lounge access, or users who primarily spend on categories with higher rewards on other cards may find better alternatives.

Q: How do I apply for the IRCTC SBI Card Premier?

A: You can apply online via the official SBI Card website or the IRCTC co-brand page. Fill in personal, professional and KYC details, upload documents if required, and submit. Approval depends on the bank’s assessment of your credit profile.

15. Expert Help & Next Steps

Still Confused? Not sure if this credit card is the right choice for your spending habits?

₹49 Expert Consultation: Get personalised advice from our credit card experts and apply safely without falling for online fraud.

Book ₹49 Expert Consultation Apply Now Officially →

16. Disclaimer

Financial Disclaimer: The information provided in this article is strictly for educational and informational purposes. Credit card fees, interest rates, and terms & conditions (T&C) are subject to change by respective banks over time. Always check the official website of the relevant bank to review all rules thoroughly before applying for any card. We are not responsible for any financial losses or approved/rejected applications.

Disclaimer & affiliate disclosure: This review is for informational purposes only. Credit card features, fees and offers can change. Always verify details on the official bank website and MITC before applying. Credit Card Path may earn a commission if you apply through links on this page at no extra cost to you. This does not change the price you pay. We are not a bank or RBI-regulated lender.

IRCTC SBI RuPay Credit Card Review

Published: October 09, 2026 By Credit Card Path Editorial
IRCTC Cards SBI Cards
IRCTC SBI RuPay Credit Card official design for railway travellers

Looking for the best credit card for frequent train travel in India? The IRCTC SBI RuPay Credit Card delivers up to 10% value back on AC class tickets booked via IRCTC, 4 complimentary railway lounge visits every year, and a simple rewards structure that helps you recover the annual fee quickly. This complete 2026 review covers fees, rewards, eligibility, pros, cons and whether this card is right for you.

1. Brief Introduction (Card Overview)

•
Card Name: IRCTC SBI Card (on RuPay platform) / IRCTC SBI RuPay Credit Card
•
Issuer Bank: SBI Cards and Payment Services Limited
•
Card Network: RuPay
•
Card Type: Travel / Railway Co-branded Rewards Card
•
Ideal User for this Card: Frequent Indian Railways travellers who book AC1, AC2, AC3, Executive Chair Car or AC Chair Car tickets regularly through the IRCTC website or app

2. Key Takeaways

  • Best for: Regular AC train travellers who book via IRCTC
  • Top Benefit: Up to 10% value back on eligible AC train tickets
  • Annual Fee: ₹500 + GST (joining & renewal); 500 Reward Points on renewal fee payment
  • Standout Feature: 4 complimentary railway lounge visits per year (1 per quarter)
  • Verdict: Excellent value for frequent railway users; ordinary for general spending

3. Fees & Charges

Fee TypeDetails
Joining Fee₹500 + GST
Annual / Renewal Fee₹500 + GST (no spend-based waiver; 500 Reward Points credited on payment of renewal fee)
Forex Markup FeeApproximately 3.5% of transaction value (plus applicable GST)
Finance Charges (Interest)Around 3.50%–3.75% per month (approximately 42%–45% per annum)
Reward Redemption FeeTypically ₹99 + taxes (check latest statement or app)

Always verify the latest Most Important Terms & Conditions (MITC) on the official SBI Card website before applying, as fees can change.

4. Cashback, Rewards & Discounts

★
Welcome Gift: 350 activation bonus Reward Points on a single retail transaction of ₹500 or more within 60 days of card issuance (fuel and cash spends excluded). 1 Reward Point = ₹1.
★
Value Back on Train Tickets: Up to 10% value back as Reward Points on AC1, AC2, AC3, Executive Chair Car and AC Chair Car tickets booked through irctc.co.in or IRCTC Mobile App. Rate depends on travel date: 10 Reward Points per ₹100 (≈10%) on travel dates 15 Jan–31 Mar and 15 Jul–15 Sep; 4 Reward Points per ₹100 (≈4%) on other dates.
★
Regular Retail Spends: 1 Reward Point for every ₹125 spent on non-fuel retail purchases (including IRCTC tickets). Effective return ≈0.8%.
★
Renewal Benefit: 500 Reward Points credited when you pay the renewal fee.
★
1% Transaction Charge Waiver: Save the 1% payment gateway charge on railway ticket bookings made on the IRCTC website.
★
Redemption: Reward Points can be redeemed against future IRCTC train ticket bookings (subject to loyalty account linkage and terms).

5. Travel Benefits

🚂
Railway Lounge Access: 4 complimentary visits per year at participating railway lounges across India (maximum 1 visit per calendar quarter). Available only to the primary cardholder. Present the card and a valid train ticket at the lounge.
🎫
IRCTC Booking Advantage: 1% transaction charge waiver + accelerated rewards on eligible AC class tickets.
✈️
Airport Lounge Access: Not available on this card.
🌍
International Usage: Accepted wherever RuPay is accepted; standard forex markup applies.

6. Other Lifestyle & Special Perks

⛽
Fuel Surcharge Waiver: 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000 (exclusive of GST) at all petrol pumps in India. Maximum waiver of ₹100 per statement cycle.
📱
UPI Support: RuPay credit cards can be linked to UPI apps (Google Pay, PhonePe, etc.) for seamless payments while earning rewards (subject to current NPCI and bank rules).
💳
Add-on Cards: Lifetime free add-on cards available (subject to bank policy).
🔄
EMI Facility: Convert eligible purchases into easy EMIs via the SBI Card app or website.

7. Eligibility Criteria

👤
Age: Minimum 21 years (typical for SBI Card products; confirm on application).
💰
Income: Stable source of income required. Salaried applicants usually need a minimum net monthly income around ₹25,000; self-employed may need higher proof.
📊
CIBIL Score: A good credit score (preferably 750+) significantly improves approval chances.
🇮🇳
Nationality: Indian residents and NRIs are eligible (subject to documentation).

8. Drawbacks & Cons

⚠
Low rewards on everyday spends: Only ≈0.8% return on non-IRCTC retail purchases.
⚠
No annual fee waiver: You pay the renewal fee every year (partially offset by 500 Reward Points).
⚠
No airport lounge access: Only railway lounges are covered.
⚠
Value-back limited to specific classes & travel dates: Sleeper and non-AC tickets do not earn the accelerated rate.
⚠
Primary cardholder only for lounges: Add-on holders cannot use the complimentary lounge visits.

9. Similar & Alternative Cards

🔄
IRCTC SBI Card Premier: Higher fee (₹1,499) but more lounge visits (8 per year), extra rewards on dining/utility and air tickets. Better if you travel very frequently. [LINK: IRCTC SBI Card Premier Review]
🔄
IRCTC BOBCARD RuPay: Another strong railway co-branded option with different reward structure. Compare if you prefer Bank of Baroda. [LINK: Best Railway Credit Cards in India]
🔄
Other Cashback Cards: If your spending is more on online shopping or fuel than trains, consider a pure cashback card instead. [LINK: Best Cashback Credit Cards in India]

10. Official Website & Essential Links

🔗
🔗
🔗
Terms & Conditions: Always check the latest MITC and reward T&Cs on the SBI Card website before applying.

11. How to Apply

Online Steps:

  1. Visit the official SBI Card website or the IRCTC co-brand page and select IRCTC SBI Card (on RuPay platform).
  2. Click “Apply Now” and fill in your personal, employment and income details accurately.
  3. Verify your mobile number with the OTP received.
    4. 📄
    Documents Required: PAN card (mandatory), Aadhaar or other identity proof, address proof (utility bill / passport / voter ID), and income proof (salary slips / bank statements / ITR).
  4. Submit the application and complete any additional verification steps (video KYC or document upload if required).
  5. Track application status via the SBI Card app or website. Once approved, the card is delivered to your registered address.

Tip: You can also SMS RAIL to 56767 and an SBI Card representative will contact you.

12. Safety & Fraud Prevention Tips

🔒
OTP & CVV Security: Banks or officials never ask for OTP, CVV, or passwords over the phone or email.
🔒
Safe Links: Always apply only through the official SBI Card website or verified IRCTC pages. Avoid third-party “agents” promising guaranteed approval.
🔒
Monitor Statements: Check your SBI Card statement and app regularly for unauthorised transactions and enable transaction alerts.

13. Should You Get This Card? (Final Verdict)

Pros Summary: The IRCTC SBI RuPay Credit Card is one of the most useful cards if you book AC train tickets frequently through IRCTC. The combination of up to 10% value back, 1% transaction charge waiver, and four railway lounge visits makes the annual fee easy to recover for regular travellers.

Final Conclusion: If train travel is a major part of your yearly spending, the IRCTC SBI RuPay Credit Card is a smart, focused choice. If your spends are mostly on shopping, dining or international travel, look at broader rewards or cashback cards instead. Always compare current offers and check the official website before applying.

14. Frequently Asked Questions (FAQs)

Q: Can this card be obtained as Lifetime Free?

A: No. The IRCTC SBI RuPay Credit Card has a joining fee and an annual renewal fee of ₹500 + GST. There is currently no lifetime-free variant or spend-based waiver of the annual fee.

Q: What is the exact reward rate on IRCTC train tickets?

A: You earn up to 10 Reward Points per ₹100 spent (≈10% value back) on eligible AC class tickets for travel dates between 15 January–31 March and 15 July–15 September. On other dates the rate is 4 Reward Points per ₹100 (≈4%). The cardholder must be one of the passengers.

Q: How many railway lounge visits do I get?

A: You get 4 complimentary railway lounge visits per year, limited to a maximum of 1 visit per calendar quarter. Only the primary cardholder can use this benefit.

Q: Is the 1% transaction charge waiver available on all IRCTC bookings?

A: Yes, the 1% payment gateway charge waiver applies when you book railway tickets on www.irctc.co.in using this card (subject to current IRCTC and bank terms).

Q: Can I redeem reward points for anything other than train tickets?

A: Reward Points earned are primarily designed for redemption against IRCTC train ticket bookings after linking the loyalty account. Check the latest SBI Card rewards catalogue for any additional options.

Q: What is the minimum CIBIL score required?

A: SBI Card does not publish an official minimum, but a CIBIL score of 750 or higher generally improves approval chances significantly. A clean repayment history is important.

Q: Does the card work for UPI payments?

A: Yes. Being a RuPay credit card, it can be linked to popular UPI apps for merchant payments while still earning the applicable reward points (subject to current NPCI and issuer rules).

Q: Is there any insurance cover on this card?

A: The basic IRCTC SBI RuPay variant does not prominently advertise air or rail accident cover (unlike the Premier version). Always refer to the latest MITC for any fraud liability or other insurance benefits.

15. Expert Help & Next Steps

Still Confused? Not sure if this credit card matches your train travel frequency and spending pattern?

₹49 Expert Consultation: Get personalised advice from our credit card experts and apply safely through official channels.

Book ₹49 Expert Consultation Apply Now Officially →

16. Disclaimer

Financial Disclaimer: The information provided in this article is strictly for educational and informational purposes. Credit card fees, interest rates, rewards structure and terms & conditions (T&C) are subject to change by SBI Cards and IRCTC over time. Always check the official website of SBI Card and the latest MITC to review all rules thoroughly before applying for any card. We are not responsible for any financial losses or approved/rejected applications.

Disclaimer & affiliate disclosure: This review is for informational purposes only. Credit card features, fees and offers can change. Always verify details on the official bank website and MITC before applying. Credit Card Path may earn a commission if you apply through links on this page at no extra cost to you. This does not change the price you pay. We are not a bank or RBI-regulated lender.

IRCTC SBI Card Review: Benefits, Fees & Rewards

Published: October 09, 2026 By Credit Card Path Editorial
IRCTC Cards SBI Cards
IRCTC SBI Card official image showing railway rewards and lounge benefits

Looking for the best credit card for frequent train travel in India? The IRCTC SBI Card delivers up to 10% value back on AC railway tickets booked via IRCTC, four complimentary railway lounge visits every year, and a simple ₹500 annual fee. This complete 2026 review covers rewards, fees, eligibility, pros, cons, and who should apply so you can decide if it fits your travel style.

1. Brief Introduction (Card Overview)

•
Card Name: IRCTC SBI Card (also known as IRCTC SBI Platinum / RuPay variant)
•
Issuer Bank: SBI Cards and Payment Services Limited (in partnership with IRCTC)
•
Card Network: RuPay and Visa variants available
•
Card Type: Travel / Railway Rewards Co-branded Credit Card
•
Ideal User for this Card: Frequent train travellers who book AC1, AC2, AC3 or Chair Car tickets regularly on irctc.co.in or the IRCTC app and value railway lounge access

2. Key Takeaways

  • Best for: Regular IRCTC AC class travellers
  • Top Benefit: Up to 10% value back as Reward Points on eligible railway tickets
  • Annual Fee: ₹500 + GST (no spend-based waiver)
  • Standout Feature: 4 complimentary railway lounge visits per year (1 per quarter)
  • Verdict: Excellent value for train-heavy users; less useful for pure everyday spenders

3. Fees & Charges

Fee TypeDetails
Joining Fee₹500 + GST
Annual / Renewal Fee₹500 + GST (no automatic waiver; 500 Reward Points credited on payment)
Forex Markup Fee3.5% of transaction amount (plus applicable GST)
Finance Charges (Interest)Up to 3.75% per month (approximately 45% per annum) on revolving balances
Reward Redemption Fee₹99 per redemption request (standard SBI Card policy for most redemptions)

Other common charges include late payment fees (tiered up to ₹1,300), cash advance (2.5% or ₹500 minimum), and over-limit fees. Always verify the latest MITC on the official SBI Card website.

4. Cashback, Rewards & Discounts

★
IRCTC Value Back: Up to 10 Reward Points per ₹100 spent on AC1, AC2, AC3, Executive Chair Car and AC Chair Car tickets booked only on irctc.co.in or IRCTC Mobile App. Rate depends on travel date (typically 10% in lean periods and 4% in peak periods). 1 Reward Point = ₹1 when redeemed against IRCTC tickets.
★
Base Retail Rewards: 1 Reward Point for every ₹125 spent on non-fuel retail purchases (including eligible railway tickets). Effective return ≈ 0.8%.
★
Welcome Benefit: 350 activation Reward Points on a single transaction of ₹500 or more within 60 days of card issuance (fuel and cash excluded).
★
Renewal Benefit: 500 Reward Points credited on payment of the annual renewal fee.
★
Transaction Charge Waiver: Save 1% on transaction charges for railway ticket bookings made on www.irctc.co.in.
★
Note on Exclusions: No rewards on fuel, rent, wallet loads, government payments or certain utility spends. Points are valid for up to 2 years subject to membership status.

5. Travel Benefits

🚂
Railway Lounge Access: 4 complimentary visits per year to participating railway lounges in India (maximum 1 visit per calendar quarter). Primary cardholder only.
🎫
IRCTC Booking Savings: 1% waiver on transaction charges plus high value-back rewards exclusively on eligible AC class tickets booked through official IRCTC channels.
🛡️
Insurance: Standard SBI Card fraud liability protection applies. Specific air/rail accident covers are more prominent on the Premier variant; confirm current cover on the official site.
🌍
International Use: Accepted worldwide on Visa/RuPay networks, but 3.5% forex markup makes it less ideal for frequent foreign spends.

6. Other Lifestyle & Special Perks

⛽
Fuel Surcharge Waiver: 1% waiver on fuel transactions between ₹500 and ₹3,000 (maximum ₹100 per statement cycle).
📱
Contactless & Digital: Tap-and-pay enabled with EMV chip and full SBI Card app support for statements, rewards tracking and bill payments.
🎁
Milestone / Bonus: 500 Reward Points simply for paying the renewal fee. No high spend milestones required on the base card.
🔗
Loyalty Linking: Link your 11-digit IRCTC SBI Card loyalty number to your irctc.co.in account for seamless reward redemption on tickets.

7. Eligibility Criteria

👤
Age: Typically 21 years and above for salaried; 25 years and above for self-employed (upper limit around 65–70 years depending on profile).
💰
Income: Minimum monthly income around ₹20,000 for salaried applicants (or equivalent ITR for self-employed). Exact threshold decided by SBI Card based on profile.
📊
CIBIL Score: 700+ preferred; 750+ significantly improves approval chances. Clean credit history is important.
💼
Employment: Salaried or self-employed Indian residents with stable income proof.

8. Drawbacks & Cons

−
No Fee Waiver: Annual fee of ₹500 + GST is charged every year with no spend-based waiver (unlike the Premier variant).
−
Low Everyday Rewards: Only ~0.8% on regular retail spends; fuel, rent and many utilities earn zero.
−
Seasonal Reward Variation: Value-back rate drops to 4% during peak travel periods based on actual travel date.
−
High Forex Markup: 3.5% makes international transactions expensive compared to low-forex cards.
−
Limited Lounge Scope: Only railway lounges (no airport lounge access on the base card).

9. Similar & Alternative Cards

↔
IRCTC SBI Card Premier: Higher ₹1,499 fee but 8 railway lounge visits, better dining/utility rewards, air & e-catering value-back, and fee reversal on ₹2 lakh spends. Better if you travel more or spend higher.
↔
Other Railway Co-branded Cards: Compare with IRCTC Bank of Baroda or HDFC IRCTC variants for different reward structures and lounge counts. [LINK: Best Railway Credit Cards in India]
↔
Everyday Alternatives: If train travel is occasional, consider a strong cashback or lifestyle card instead. [LINK: Best Cashback Credit Cards in India] or [LINK: Best Lifetime Free Credit Cards in India]

10. Official Website & Essential Links

🔗
Official IRCTC Page: View IRCTC SBI Card Details
🔗
🔗
Terms & Conditions: Always check the latest MITC and product brochure on the SBI Card website before applying.

11. How to Apply

Online Steps:

  1. Visit the official SBI Card website or the IRCTC co-brand page and select IRCTC SBI Card (RuPay or Visa).
  2. Click “Apply Now” and enter your personal details (name as per PAN, mobile, email, DOB, PAN).
  3. Provide employment and income details along with address information.
  4. Upload or complete Video KYC / e-KYC as prompted and submit the application.
  5. Track status online; on approval the card is dispatched and activated after first use or payment.

Documents Required:

📄
Identity Proof: PAN Card (mandatory) + Aadhaar / Passport / Voter ID / Driving Licence
📄
Address Proof: Aadhaar, passport, utility bill or bank statement
📄
Income Proof: Latest salary slips / Form 16 (salaried) or ITR / business proof (self-employed)

You can also SMS RAIL to 56767 for assistance from an SBI Card representative.

12. Safety & Fraud Prevention Tips

🔒
OTP & CVV Security: Banks or officials never ask for OTP, CVV, or passwords over the phone or email.
🔒
Safe Links: Always use verified and secure channels (official SBI Card or IRCTC websites) to avoid any online fraud.
🔒
Card Activation: Activate only after receiving the physical card and set a strong PIN via official channels.
🔒
Monitor Statements: Regularly check transactions in the SBI Card app and report any suspicious activity immediately.

13. Should You Get This Card? (Final Verdict)

Pros Summary: The IRCTC SBI Card is best suited for travellers who book multiple AC-class train tickets every year through the official IRCTC website or app. The combination of up to 10% value back, 1% transaction charge savings, and four free railway lounge visits can easily offset the ₹500 fee for frequent users.

Final Conclusion: If train travel forms a significant part of your yearly spends, the IRCTC SBI Card is a practical and rewarding choice. For pure shopping, fuel, or international travel, explore better-suited alternatives. Always compare your expected annual IRCTC spends against the fee before applying.

14. Frequently Asked Questions (FAQs)

Q: Can this card be obtained as Lifetime Free?

A: No. The IRCTC SBI Card has a recurring annual fee of ₹500 + GST with no lifetime-free option or automatic spend-based waiver on the base variant.

Q: What is the exact reward rate on IRCTC railway tickets?

A: You earn up to 10 Reward Points per ₹100 spent (≈10% value back) on eligible AC1/AC2/AC3/Chair Car tickets booked via irctc.co.in or the IRCTC app. The rate is based on the travel date and is typically lower (around 4%) during peak periods. Points equal ₹1 each when redeemed for tickets.

Q: How many railway lounge visits do I get?

A: You get 4 complimentary visits per calendar year to participating railway lounges in India, limited to a maximum of 1 visit per quarter. Only the primary cardholder is eligible.

Q: Is the IRCTC SBI Card available on RuPay and Visa?

A: Yes. Both RuPay and Visa network variants are offered. Benefits are largely similar; choose based on acceptance preferences and any network-specific offers.

Q: Can I redeem Reward Points only on IRCTC tickets?

A: Points can be redeemed against IRCTC ticket purchases at 1 Point = ₹1. Standard SBI Card redemption options (with ₹99 fee in many cases) may also be available depending on the catalogue.

Q: Who should avoid the IRCTC SBI Card?

A: Occasional train travellers, heavy fuel or rent payers, and those who spend mostly internationally or on everyday shopping may find better value in other cards due to the fixed fee and low base reward rate.

Q: How do I link the loyalty number for rewards?

A: After card activation, log in to irctc.co.in, go to the Loyalty section, enter the 11-digit loyalty number printed on your card, and verify with OTP. Link at least 5 days after activation.

Q: Is there any insurance cover on this card?

A: Standard fraud liability protection is available. Additional rail or air accident covers are more clearly listed on the Premier variant—confirm the current policy on the official SBI Card website.

15. Expert Help & Next Steps

Still Confused? Not sure if this credit card is the right choice for your spending habits?

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Etihad Guest SBI Premier Credit Card

Published: May 08, 2025 By Credit Card Path Editorial
All Credit Cards SBI Cards

Etihad Guest SBI Premier Credit Card: Premium Travel Rewards Await

Etihad Guest SBI Premier Credit Card

Discover the Etihad Guest SBI Premier Credit Card, a premium travel card designed for frequent flyers who love luxury and rewards. Co-branded by SBI Card and Etihad Airways, this card offers Etihad Guest Miles, complimentary Gold tier status, lounge access, and exclusive travel perks. Ideal for international travelers, it transforms everyday spends into free flights and upgrades. In this blog post, we’ll explore its features, rewards, fees, eligibility, and more to help you decide if it’s the perfect card for your jet-setting lifestyle. Let’s take off!

About Etihad Guest SBI Premier Credit Card

The Etihad Guest SBI Premier Credit Card, a collaboration between SBI Card and Etihad Airways, is tailored for frequent travelers. Earn up to 6 Etihad Guest Miles per ₹100 spent, enjoy complimentary Etihad Guest Gold status, and access 12 airport lounge visits annually. With milestone benefits like a companion voucher and discounts on Etihad bookings, this card is perfect for those seeking premium travel rewards. Explore its features, eligibility, and benefits to elevate your travel experience with unmatched perks.

Basic Details of Etihad Guest SBI Premier Credit Card

FeatureDetails
Card ImageEtihad Guest SBI Premier Credit Card
Card IssuerSBI Card (State Bank of India)
Joining Fee₹4,999 + GST
Renewal Fee₹4,999 + GST (Waived on ₹5 lakh annual spends)
Card CategoryTravel, Premium
Rewards6 Miles/₹100 on Etihad, 4 Miles on international, 2 Miles on other spends
Airport Lounge12 visits/year (8 domestic, 4 international)
Railway LoungeNot available
Additional PerksComplimentary Etihad Guest Gold status, 2 Wi-Fi vouchers

Extra Details of Etihad Guest SBI Premier Credit Card

  • Runs on Visa Signature platform with a vertical card design.
  • Supports contactless payments for transactions up to ₹5,000.
  • Accepted at over 24 million outlets globally, including 3.25 lakh in India.
  • Allows up to 2 add-on cards for family members above 18.
  • Offers Flexipay for transactions above ₹2,500, convertible to EMIs.
  • Provides Balance Transfer on EMI for other credit card balances.
  • Includes chip-and-pin technology for enhanced security against fraud.
  • Utility bill payments via Easy Bill Pay facility.

Features and Benefits

  • Welcome Benefits: 5,000 Etihad Guest Miles and 2 free Wi-Fi vouchers on first Etihad booking.
  • Gold Status: Complimentary Etihad Guest Gold tier status post first transaction (valid for 6 months without flights).
  • Lounge Access: 8 domestic (2/quarter) and 4 international visits/year.
  • Milestone Benefits: 1,500 Miles on ₹1.5 lakh quarterly spends, companion voucher on ₹8 lakh annual spends.
  • Discounts: Up to 10% off on Etihad Business Class, 3% on Economy Class bookings.
  • Insurance: ₹50 lakh overseas accident cover, ₹1 lakh fraud liability cover, $1,000 lost baggage cover.
  • Contactless Payments: Secure, fast transactions at POS terminals.

Rewards and Cashback

  • Etihad Spends: 6 Etihad Guest Miles/₹100 on etihad.com bookings.
  • International Spends: 4 Miles/₹100 on international transactions.
  • Other Spends: 2 Miles/₹100 on retail spends (excludes fuel, rentals, government transactions).
  • Maximum Miles: Up to 40,000 Miles/year can be earned.
  • Redemption: Redeem Miles for flights, hotels, car rentals, or products at etihadguest.com.
  • Additional Perks: Up to 10% discount on Miles redemption for travel rewards.
  • Fuel Surcharge Waiver: 1% waiver (₹500-₹4,000, max ₹250/statement cycle).

Fees and Charges

Fee TypeAmount
Joining Fee₹4,999 + GST
Renewal Fee₹4,999 + GST (Waived on ₹5 lakh spends)
Finance Charges3.5% p.m. (42% p.a.)
Foreign Transaction Fee3.5% of transaction value
Fuel Surcharge Waiver1% (₹500-₹4,000, max ₹250/statement)
Cash Advance Fee2.5% of amount (min ₹500)

Eligibility Criteria

  • Age: 21 to 70 years.
  • Income: Stable income (salaried or self-employed, typically ₹40,000+/month).
  • Credit Score: Good credit score (750+ recommended).
  • Residency: Resident of India.
  • Additional: May require last 3 months’ bank statements.

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 Etihad Guest SBI Premier Credit Card

  1. Visit the SBI Card official website.
  2. Navigate to the Etihad Guest SBI Premier Credit Card page and click “Apply Now.”
  3. Fill in personal, professional, and KYC details in the application form.
  4. Submit the form and receive an instant preliminary decision.
  5. Complete verification via a call from the SBI Card team.
  6. Receive the card within 7-15 working days if approved.
  7. Note: Online application may not be available; apply offline at an SBI Card branch.

How to Maximize Benefits

  • Etihad Bookings: Book flights on etihad.com for 6 Miles/₹100 and up to 10% discounts.
  • International Spends: Use for international purchases to earn 4 Miles/₹100.
  • Lounge Access: Utilize 8 domestic and 4 international lounge visits annually.
  • Milestone Spending: Spend ₹8 lakh/year for a companion voucher, ₹1.5 lakh/quarter for 1,500 Miles.
  • Gold Status: Enjoy priority check-in, extra baggage, and upgrades with Etihad Guest Gold status.
  • Fuel Purchases: Spend ₹500-₹4,000 at petrol pumps for 1% surcharge waiver (max ₹250/cycle).

Other Banks’ Similar Cards

  • Axis Atlas Credit Card: 5 EDGE Miles/₹100 on travel, 1:2 transfer to Etihad Miles.
  • HDFC Infinia Credit Card: 5X points on travel, transferable to Etihad Guest Miles.
  • American Express Platinum Travel Card: Up to 4 MR points/₹100, transferable to Etihad.
  • Air India SBI Signature Card: 20 Reward Points/₹100 on Air India spends, lounge access.

Official Websites and Apply Link

Etihad Guest SBI Premier Credit Card Review

The Etihad Guest SBI Premier Credit Card is a premium choice for frequent Etihad flyers, offering 6 Miles/₹100 on Etihad spends, Gold status, and a companion voucher on ₹8 lakh spends. Lounge access and insurance add value, but the ₹4,999 fee and low 2 Miles/₹100 on regular spends may not suit moderate spenders. Compared to Axis Atlas, the reward rate is less competitive. Ideal for high-spending international travelers, but others may find better value elsewhere.

[](https://www.cardexpert.in/sbi-etihad-guest-premier-credit-card-review/)

Frequently Asked Questions (FAQs)

Who is the Etihad Guest SBI Premier Credit Card best for?

It’s ideal for frequent Etihad Airways travelers who spend heavily on international transactions and can maximize lounge access and companion vouchers.

Can I waive the annual fee?

Yes, spend ₹5 lakh annually to waive the ₹4,999 renewal fee.

How long is the Etihad Guest Gold status valid?

It’s valid for 6 months post-first transaction without flights; maintain status with regular Etihad travel.

How do I redeem Etihad Guest Miles?

Redeem Miles for flights, hotels, car rentals, or products via etihadguest.com with no minimum/maximum limit.

Is this card good for domestic spends?

It offers only 2 Miles/₹100 on non-Etihad domestic spends, so other cards may provide better value for domestic use.

Disclaimer

The information provided about the Etihad Guest 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 Etihad Airways. 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.

Disclaimer & affiliate disclosure: This review is for informational purposes only. Credit card features, fees and offers can change. Always verify details on the official bank website and MITC before applying. Credit Card Path may earn a commission if you apply through links on this page at no extra cost to you. This does not change the price you pay. We are not a bank or RBI-regulated lender.