IRCTC SBI Card Premier
SBI Card
Annual / renewal fee
₹1,499 plus applicable taxes.
VerifiedMost Important Terms & Conditions (MITC) – SBI Card (all cards, including IRCTC SBI Card Premier)4 Aug 2026, 8:10 PM ISTSBI Card
Earn rate
- 5 Reward Points per ₹125 spent on Air and E-Catering through www.air.irctc.co.in and www.ecatering.irctc.in (Air ticket earning capped at 750 RP per monthly statement cycle).
- 3 Reward Points per ₹125 spent on Dining and Standing Instruction on Utility Spends.
- 1 Reward Point for every eligible ₹125 charged for Domestic and International Transactions.
VerifiedTerms & Conditions – IRCTC SBI Card Premier (card-specific, includes Reward Points programme terms)4 Aug 2026, 8:10 PM ISTSBI Card
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This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at sbicard.com — if a different card is shown first, use its card selector to pick this one.
Overview
IRCTC SBI Card Premier by SBI Card. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
Confirm on the official page
Official source not yet captured
Annual / renewal fee
₹1,499 plus applicable taxes.
VerifiedMost Important Terms & Conditions (MITC) – SBI Card (all cards, including IRCTC SBI Card Premier)4 Aug 2026, 8:10 PM ISTSBI Card
Fee waiver
Renewal fee of ₹1,499 waived off on annual spends of ₹2 Lakh or more in the preceding year.
VerifiedMost Important Terms & Conditions (MITC) – SBI Card (all cards, including IRCTC SBI Card Premier)4 Aug 2026, 8:10 PM ISTSBI Card
Renewal fee
₹1,499 (Waived off on annual spends of ₹2 Lakh or more in the preceding year).
VerifiedMost Important Terms & Conditions (MITC) – SBI Card (all cards, including IRCTC SBI Card Premier)4 Aug 2026, 8:10 PM ISTSBI Card
Rewards
- 5 Reward Points per ₹125 spent on Air and E-Catering through www.air.irctc.co.in and www.ecatering.irctc.in (Air ticket earning capped at 750 RP per monthly statement cycle).
- 3 Reward Points per ₹125 spent on Dining and Standing Instruction on Utility Spends.
- 1 Reward Point for every eligible ₹125 charged for Domestic and International Transactions.
VerifiedTerms & Conditions – IRCTC SBI Card Premier (card-specific, includes Reward Points programme terms)4 Aug 2026, 8:10 PM IST
Redemption value
- 1 Reward Point = ₹1 (statement debit adjustment and Travel Reward redemption).
- Rewards Redemption Fee of ₹99 applies only on Physical products, Statement Credit & on Vouchers sent physically (for all cards except AURUM).
- Reward Points accrued under the Rewards Program are valid for 24 months and expire on last day of the 24th month.
VerifiedMost Important Terms & Conditions (MITC) – SBI Card (all cards, including IRCTC SBI Card Premier)4 Aug 2026, 8:10 PM ISTSBI Card
Reward cap
Earning on Air ticket booking is capped at 750 Reward Points in each monthly statement cycle.
VerifiedTerms & Conditions – IRCTC SBI Card Premier (card-specific, includes Reward Points programme terms)4 Aug 2026, 8:10 PM ISTSBI Card
Reward exclusion
VerifiedTerms & Conditions – IRCTC SBI Card Premier (card-specific, includes Reward Points programme terms)4 Aug 2026, 8:10 PM ISTSBI Card
Travel & lounge
Lounge access
- Railway Lounge Program: complimentary access to participating railway lounges in India on presenting eligible SBI card with valid train travel ticket.
- ₹2 charged to validate the card for complimentary lounge access.
- Complimentary access permissible only to Primary cardholder.
- Includes up to two hours lounge stay, A/C seating, 1 buffet meal, unlimited tea & coffee, free Wi-Fi, newspaper/magazine, washrooms & charging points.
VerifiedTerms & Conditions – IRCTC SBI Card Premier (card-specific, includes Reward Points programme terms)4 Aug 2026, 8:10 PM ISTSBI Card
Travel benefit
- Up to 10% value back as Reward points on 1st Class AC, 2nd Class AC, 3rd Class AC, Executive Chair Car and Chair Car ticket purchases at www.irctc.co.in & IRCTC Mobile App, with no capping on monthly/annual value back amount.
- Value back accrues 5 days after date of journey provided ticket is not cancelled.
- Reward Points valid for 2 years from date of member's registration (w.e.f. 26th December'24).
VerifiedTerms & Conditions – IRCTC SBI Card Premier (card-specific, includes Reward Points programme terms)4 Aug 2026, 8:10 PM ISTSBI Card
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
1500 Reward Points equivalent to ₹1,500 on payment of first annual fee (threshold: payment of first annual fee; no spend threshold or time window stated on official source).
VerifiedTerms & Conditions – IRCTC SBI Card Premier (card-specific, includes Reward Points programme terms)4 Aug 2026, 8:10 PM ISTSBI Card
Insurance
- Fraud Liability cover up to ₹1 lakh for financial loss incurred due to fraudulent usage of the Credit Card (insured by ICICI Lombard General Insurance Ltd).
- Note: With effect from 26th July'25, the complimentary Air Accident insurance cover of ₹50 lakhs and Rail Accident insurance cover of ₹10 lakhs have been discontinued.
VerifiedTerms & Conditions – IRCTC SBI Card Premier (card-specific, includes Reward Points programme terms)4 Aug 2026, 8:10 PM ISTSBI Card
Milestone benefit
- Earn 2,500 Reward Points on annual travel spends of ₹50,000 or above.
- Earn 5,000 Reward Points on annual travel spends of ₹1,00,000 or above.
- Eligible Travel spends include Visa/RuPay defined MCC categories: Travel Agents and Railways.
VerifiedTerms & Conditions – IRCTC SBI Card Premier (card-specific, includes Reward Points programme terms)4 Aug 2026, 8:10 PM ISTSBI Card
Eligibility
Eligibility
You can share the card with your family by applying for an Add-on card for your spouse, parents, siblings and children over 18 years of age.
VerifiedTerms & Conditions – IRCTC SBI Card Premier (card-specific, includes Reward Points programme terms)4 Aug 2026, 8:10 PM ISTSBI Card
Charges & interest
Forex markup
- Foreign Currency Transaction Fee: 3.5% (IRCTC SBI Card Premier is not in the exempted/lower-rate list).
- Dynamic Currency Conversion Fee: 3.5% on transactions greater than or equal to ₹1,000 carried out in Indian Currency at an international location or at merchants located in India but registered overseas.
VerifiedMost Important Terms & Conditions (MITC) – SBI Card (all cards, including IRCTC SBI Card Premier)4 Aug 2026, 8:10 PM ISTSBI Card
Charge
- Finance Charges: up to 3.75% per month (45% per annum) for unsecured cards, minimum ₹25 per transaction.
- Cash Advance Fee: 2.5% of transaction amount or ₹500 whichever higher (domestic and international ATMs).
- Cash Payment Fee: ₹250 + taxes.
- Cheque Payment Fee: ₹200.
- Payment Dishonor Fee: 2% of payment amount, minimum ₹500.
- Over Limit Fee: 2.5% of overlimit amount or ₹600 whichever higher (once per billing cycle).
- Card Replacement Fee: ₹100 to ₹250.
- Late Payment Charges: Nil for ₹0-100.
- ₹100 (>₹100 up to ₹500).
- ₹500 (>₹500 up to ₹1,000).
- ₹750 (>₹1,000 up to ₹10,000).
- ₹950 (>₹10,000 up to ₹25,000).
- ₹1,100 (>₹25,000 up to ₹50,000).
- ₹1,300 (>₹50,000).
- Plus additional ₹100 late payment charge on missing MAD for two consecutive cycles.
- Processing Fee on all Rent Payment Transactions: ₹199.
- Utility Payments Fee: 1% of total utility payments if total exceeds ₹50,000 in a billing cycle (w.e.f. 1st Dec 2024).
- Fee on Education Payments: 1% via third-party apps (w.e.f. 1st Nov 2025).
- Fee on Wallet Load: 1% on every wallet load transaction exceeding ₹1,000 (w.e.f. 1st Nov 2025).
VerifiedMost Important Terms & Conditions (MITC) – SBI Card (all cards, including IRCTC SBI Card Premier)4 Aug 2026, 8:10 PM ISTSBI Card
Fuel surcharge waiver
1% fuel surcharge waiver on fuel purchases between ₹500 and ₹4,000 each time, up to ₹250 monthly.
VerifiedTerms & Conditions – IRCTC SBI Card Premier (card-specific, includes Reward Points programme terms)4 Aug 2026, 8:10 PM ISTSBI Card
Interest-free period
- Interest free credit period could range from 20 to 50 days, subject to submission of claims by the merchant.
- Suspended if any balance of the previous month's bill is outstanding.
- For cash advances, interest is charged from date of transaction until date of payment.
VerifiedMost Important Terms & Conditions (MITC) – SBI Card (all cards, including IRCTC SBI Card Premier)4 Aug 2026, 8:10 PM ISTSBI Card
Transfers
Transfer rule
- Monthly accumulated Reward Points are transferred by SBI Card to IRCTC on the 15th of every month.
- SBI Card Reward Point balance stands zero post transfer.
- Reward points will not get credited/transferred to IRCTC Loyalty account if the loyalty account status is blocked/inactive/suspended.
VerifiedTerms & Conditions – IRCTC SBI Card Premier (card-specific, includes Reward Points programme terms)4 Aug 2026, 8:10 PM ISTSBI Card
Common questions
What is the annual fee on the IRCTC SBI Card Premier?
Officially traced: Rs.1,499 plus applicable taxes.
Most Important Terms & Conditions (MITC) – SBI Card (all cards, including IRCTC SBI Card Premier)Is the IRCTC SBI Card Premier annual fee ever waived?
Renewal fee of Rs. 1,499 waived off on annual spends of Rs. 2 Lakh or more in the preceding year.
Most Important Terms & Conditions (MITC) – SBI Card (all cards, including IRCTC SBI Card Premier)How does the IRCTC SBI Card Premier earn rewards?
5 Reward Points per Rs. 125 spent on Air and E-Catering through www.air.irctc.co.in and www.ecatering.irctc.in (Air ticket earning capped at 750 RP per monthly statement cycle).
Terms & Conditions – IRCTC SBI Card Premier (card-specific, includes Reward Points programme terms)What lounge access does the IRCTC SBI Card Premier include?
Railway Lounge Program: complimentary access to participating railway lounges in India on presenting eligible SBI card with valid train travel ticket; Rs.2 charged to validate the card for complimentary lounge access.
Terms & Conditions – IRCTC SBI Card Premier (card-specific, includes Reward Points programme terms)What welcome benefit does the IRCTC SBI Card Premier offer?
1500 Reward Points equivalent to Rs.1,500 on payment of first annual fee (threshold: payment of first annual fee.
Terms & Conditions – IRCTC SBI Card Premier (card-specific, includes Reward Points programme terms)What are the transfer ratios for IRCTC SBI Card Premier points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Verified 2026-08-04 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.
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