State Bank of India SBI IRCTC Premier Credit Card Review
Travel card with lounge access
The State Bank of India SBI IRCTC Premier has a ₹1,499 annual fee + GST, waived on ₹2,00,000 annual spend. It earns 0.8% back on regular spends and up to 10% on irctc, with 8 domestic airport lounge visits a year. Best for: frequent irctc rail travellers — our verdict: recommended.
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The SBI IRCTC Premier is a rail-focused card delivering real value to frequent train travellers via 10 points per Rs. 100 (Re. 1 each) on IRCTC bookings, charge waivers, railway lounges and achievable milestones, with the Rs. 1,499 fee reversed at Rs. 2 lakh spend. Outside rail, the 0.8% base rate and 3.5% forex markup keep it a niche pick.
Travel card with lounge access
The Bottom Line
The SBI IRCTC Premier is built for frequent train traveller and mid-spend rail user. With a ₹1,499 annual fee that is waived on ₹2,00,000 yearly spend, it offers 10% rewards on irctc (travel) and 1,500 bonus points. It makes the most sense if your spending matches frequent train traveller and mid-spend rail user.
It earns a base reward rate of 0.8% and stacks best when your spending lines up with Frequent train traveller, Mid-spend rail user. The renewal fee gets easier to justify once you can hit ₹2,00,000 in yearly spend.
Who Should Get This Card
Use this as a quick filter before comparing rewards or fees in detail.
Best fit for
IdealSomeone who regularly books rail tickets on IRCTC and benefits from 10 points per Rs. 100 (worth Re. 1 each), the 1% IRCTC charge waiver and railway lounge access.
A cardholder spending Rs. 1-2 lakh a year who captures the 2,500/5,000-point milestones and the fee reversal at Rs. 2 lakh.
Probably not for
SkipAnyone using the card mainly for non-rail spend earns only about 0.8% base, below dedicated rewards cards.
With no international lounge access and a 3.5% forex markup, it is poorly suited to foreign travel.
Is It Worth It For You?
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Reward Rates
SBI IRCTC Premier offers 0.8% basic reward rate.
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Welcome Offer
1,500 Reward Points (worth Rs. 1,500) on payment of the first annual / joining fee, effectively offsetting the Rs. 1,499 fee.
Milestone Benefits
2,500 bonus Reward Points on achieving Rs. 50,000 total spends in the anniversary year.
5,000 bonus Reward Points on achieving Rs. 1,00,000 total spends in the anniversary year (milestone benefits worth up to Rs. 7,500 in total).
Renewal fee of Rs. 1,499 reversed on annual spends of Rs. 2,00,000.
Fees & Charges
Eligibility
- Min Income: ₹4 Lakhs
- Min Credit Score: 750
- Salaried min Rs 3L p.a., self-employed min Rs 4L p.a.; 750+ CIBIL; RuPay card; 1 RP = Rs 1 on IRCTC ticket bookings.
Exclusions & Terms
Forex markup
- Foreign currency markup
Cash Advances
- Does not earn reward points.
Frequently Asked Questions
8 data-backed answers from our card database
Ready to apply?
₹1,499 annual fee. Apply on the State Bank of India website.
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