SBI IRCTC Premier Credit Card Review: Fees & Charges, Benefits

SBI IRCTC Premier Credit Card Review

When it comes to co-branded credit cards, SBI Card is in full swing. SBI IRCTC Premier credit card with IRCTC is a premium travel credit card. This card is one tier higher than the SBI IRCTC Platinum Credit Card, which was previously issued, and offers a superior set of features. It’s one of the few cards on the market that’s designed to help you save money when you travel by train.

This credit card offers a variety of incentives, including cashback on train ticket purchases. Aside from that, the SBI IRCTC Card Premier provides advantages in the areas of fuel fee waiver, reward points, and insurance. Here is our review of the SBI IRCTC Premier Credit Card, where we delve deep into the pros, cons, rewards, cashback, and more. We attempt to answer the question of whether you should get one for yourself or not?

Fees and Charges

Joining Fee Rs. 1499 + GST
Annual Fee Rs. 1,499
Interest rate 3.5% per month (42% per annum)

SBI IRCTC Premier Credit Card Pros & Cons

  • For your ticket purchase on and the IRCTC Mobile App, you will receive 10% value back as Reward Points on AC1, AC2, AC3, and AC CC coaches (for Android only)
  • IRCTC offers a 5% discount on air ticket purchases.
  • IRCTC offers a 5% discount on e-catering purchases.
  • Up to Rs.10 lakh in complimentary train accident insurance.
  • Waiver of the fuel surcharge
  • Access to eight complimentary railway lounges every year
  • The SBI IRCTC Premier credit limit is set at the discretion of the bank. Before granting a credit limit, the State Bank of India considers a variety of variables, including the primary applicant’s credit score, credit utilisation ratio, and historical debt payback patterns.
  • No standout cashback or general shopping benefits

Rewards and cashback

  • Earn 3 Reward Points for every 125 rupees spent on dining and standing orders for utility purchases.
  • When you pay your first annual fee, you’ll get 1500 Reward Points, which is equal to Rs 1500. (1 Reward Point= 1)
  • On annual travel spends of Rs. 50,000, you can earn 2,500 reward points. 5,000 reward points on annual travel spend of Rs. 1,00,000
  • Reversal of annual fee based on spends of Rs 2 Lakhs

Who Should get an SBI IRCTC Premier Credit Card?

The SBI IRCTC Premier is suitable for customers who travel regularly and book using the IRCTC app or website. Aside from ticket sales, you can collect reward points on your retail purchases and receive gratis entrance to the railway lounge once a year. Here you can also check sbi pulse card annual fee.

Eligibility Criteria

1. Age

Minimum age – 18 years

2. Income

  • Either a salaried or self-employed primary applicant is required.
  • No specific income eligibility. A good credit score needed

3. Documents needed

  • The most recent 1-2 pay slips (no older than three months), the most recent Form 16, and the most recent three-month bank statement
  • ID proof – Aadhaar card, Driver’s license, passport, others
  • Address Proof – Recent utility bill, ration Card, property Registration Document, Person of Indian Origin Card, others

Rating and Reviews

  • Cashback and Rewards: 4/5 IRCTC can be used to book flights. So that’s a smart promotion for IRCTC, and 5% off air tickets is extremely generous, especially since there is now no cap on the discount.
  • Fees: 3.5/5 The card’s welcome benefits can considerably cover the cost of the card. Remember that if it works the same way as their IRCTC platinum card, you won’t get the welcome bonus when you renew. So, spending Rs 2 lakhs becomes a necessity to waive off fee from 2nd year onwards.
  • Eligibility: 3.5/5 It should be easily eligible to most salaried and self-employed professionals with a monthly income of over Rs 35,000. Other criteria of eligibility will also likely be average to above average.
  • Overall: 4/5 This is a credit card that works not only for train reservations but also for air and other travel reservations. The design, benefits, and other features make it a highly appealing card in its segment, and if you spend more than a lakh on travel each year, you can save up to Rs 20,000 each year.

However, keep in mind that you must spend a total of Rs 2 lakhs per year to qualify for the renewal cost waiver. If you spend less than Rs 40,000 on train tickets, you’ll be better off with the lower-end SBI IRCTC Platinum Card.


Altogether, this is an excellent credit card for frequent train travelers because it provides excellent returns on travel booking, it offers the highest value if you can spend Rs 2 lakh per year with it; otherwise, you will have to pay the Rs 1,499 renewal fee.

Furthermore, if you do not usually book through IRCTC, this card may not be the ideal choice for you. If you are looking for more premium options, you can pick the SBI SimplySAVE credit card (review) or even the SBI Elite.


What is SBI IRCTC Premier card?

SBI IRCTC Premier Card is a co-branded card for cashback on train ticket purchases, fuel spending, reward points on regular spending, and insurance.

What is the worth of the welcome gift offered under the SBI IRCTC Premier Card?

Welcome Gift offers on SBI IRCTC Premier Card include 1,500 Reward Points equivalent to Rs 1500 on payment of the first annual fee.

Is there a fee on the add-on card for the SBI IRCTC Premier Card?

Welcome Gift offers on SBI IRCTC Premier Card include 1,500 Reward Points equivalent to Rs 1500 on payment of the first annual fee.

Is there a waiver on the annual fee for the SBI IRCTC Premier Card?

Yes, post spending Rs 2 lakh in a year, the annual fee of Rs. 1,499 will be waived.

What are the benefits of using the SBI IRCTC Premier card?

1. You avail of 10% value back on AC1, AC2, AC3, AC CC as reward points for your ticket purchase on and the IRCTC Mobile App (for Android only).
2. Earn 3 Reward Points per 125 spent on Dining and standing instructions on Utility spends
3. Earn 2,500 Reward Points on annual travel spends of Rs 50,000
4. Earn 5,000 Reward Points on annual travel spends of Rs 1,00,000
5. Spend based reversal of annual fee on spends of Rs 2 lakhs

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