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REWARD POINTS CARD

IRCTC SBI Card Premier

SBI Card

Value back as reward points on IRCTC rail and air bookings, reward points on dining and utility standing instructions, a welcome bonus, travel-spend milestones, railway lounge visits and fraud liability cover.

Value back applies to listed rail classes booked on the IRCTC App/website. Points go to the IRCTC loyalty account (not credited if blocked, inactive or suspended). Fuel is excluded from base earn.

IRCTC SBI Card Premier
ANNUAL FEE
₹1,499 + GST
JOINING FEE
Not stated
REWARDS
Not stated
Earning terms not yet recorded
KEY BENEFIT
Up to 10% value back as reward points on IRCTC rail tickets (AC1, AC2, AC3, Executive Chair Car, Chair Car) via IRCTC App and website
BEST FOR
Included: May suit frequent IRCTC rail bookers and those with dining, utility standing instruction or annual travel spends.
Included: May suit regular railway ticket bookings on the IRCTC App or website.
Included: May suit annual travel spends of ₹50,000 or more that unlock milestone points.
Included: May suit dining and utility standing instruction spends earning 3 RP per ₹125.
Limitation: Spends outside IRCTC, dining and utilities, where earn is 1 Reward Point per ₹125 may wish to compare other cards.
Limitation: Those fuel spends, which are excluded from base earn may wish to compare other cards.
Limitation: Those spends outside IRCTC, dining and utilities, which earn 1 RP per ₹125 may wish to compare other cards.
Limitation: Those who prefer not to pay a ₹1,499 + taxes annual fee unless spends reach ₹2,00,000 may wish to compare other cards.
Typical fit only. This is not personalised advice and not an indication of approval.
GOOD TO KNOW
Condition: IRCTC transaction-charge savings are reviewed and credited monthly against a merchant list, only on irctc.co.in and air.irctc.co.in.
Condition: Cancelling a railway ticket debits a charge of 1% of the total refund amount to the card.

Rewards & real value

What the card earns, and what changes that figure in practice.
WHAT THE CARD EARNS
EVERYTHING ELSE
Not stated
No earning rate recorded for this card
REWARD POINT VALUE
Not stated
Effective return cannot be calculated without it

Eligibility

Minimum income
Not stated
Minimum age
Not stated
Maximum age
Not stated

Fees & ownership

Joining fee
Not stated
Annual / renewal fee
₹1,499 + GST
Fee waived at
Spends of ₹2,00,000; fee reversed within 30 days of annual fee charge date
Forex markup
Not stated
Finance charge
Not stated
Cash withdrawal fee
Not stated
Late-payment charge
Not stated
Interest-free period
Not stated

Benefits & privileges

TRAVEL
Domestic airport lounge
Not stated
International airport lounge
Not stated
Railway lounge
8 visits per quarter — 8 visits per year in India (max 2 per quarter) · Applicable only for primary cardholders.
Lounge spend requirement
Not stated
Lounge programme
Not stated
EVERYDAY
Fuel
1% waiver on transactions of ₹500–₹4,000 at all petrol pumps in India; max ₹250 per statement cycle per card account
Dining
3 Reward Points per ₹125 spent on dining
RuPay / UPI
Not stated

Caps, exclusions and redemption

Major excluded categories
Base earn of 1 RP per ₹125 applies to non-fuel retail purchases only.
Categories earning nothing
Not stated
Monthly reward cap
Not stated
Annual reward cap
Not stated
Reward point value
Not stated
Points expiry
Not stated
Redemption fee
Not stated
Minimum redemption
Not stated
Credited automatically
Not stated

Who this card may suit

MAY SUIT
Included: Up to 10% value back as reward points on IRCTC rail tickets (AC1, AC2, AC3, Executive Chair Car, Chair Car) via IRCTC App and website
Included: Complimentary fraud liability cover of ₹1 lakh.
Included: Saves 1% transaction charges on rail bookings at irctc.co.in and 1.8% on air bookings at air.irctc.co.in.
Included: Contactless tap-and-pay with Visa PayWave, chip-and-PIN security and Flexipay EMI on transactions of ₹2,500 or more.
MAY NOT SUIT
Not stated
Typical fit only, based on the card’s own published terms. This is not personalised advice and not an indication of approval.
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Figures last checked 31 Oct 2026 against the issuer’s published terms.