Card Details
IRCTC SBI Card Premier
Monzy Score
7/ 10
Good for frequent travellers.
~2.5% back on top spends; thin rewards outside its core category; high 3.5% forex markup.
Card Issuer
SBI Card
Joining Fee
₹1,499
Annual Fee
₹1,499
Reward Type
Reward Points
Card Access
Standard
Offers from SBI Card
See allNeelkanth: Up to ₹6500 Instant Discount
Exclusive Discounts · till 12 Sep 2026
Pai-International: Up to Rs 16000 Instant Discount at PAI International
Exclusive Discounts · till 13 Sep 2026
Pittappillil: Up to Rs 10000 Instant Discount at Pittappilill Agencies
Exclusive Discounts · till 13 Sep 2026
Myg: Up to Rs 16000 Instant Discount Offer – myG Mobiles
Electronics Deals · till 15 Sep 2026
Amazon: 10% Instant Discount at Amazon
Shopping Deals · till 18 Sep 2026
Earn Points
10pts
/₹100 on Irctc Train Tickets (AC Classes)
5pts
/₹100 on Air.irctc.co.in
1 RP/₹125
on other retail purchases (non-fuel)
3pts
/₹125 on Dining & Utility
Benefits
Up to 10% value back on IRCTC AC tickets
- High-value IRCTC travel rewards
- Up to 10% value back on select IRCTC train bookings
- 1 Reward Point equals Re. 1 on redemption
- Fuel transactions do not earn reward points
- Routine railway lounge access
- 2 complimentary railway lounge visits every quarter
- Primary cardholder eligible for 8 visits a year
1% fuel surcharge waiver
3 RP/₹125 on dining & utility instructions
Reward Calculator
NOTE: Enter your monthly spends to see
projected returns.
Excluded: fuel
Estimated Returns
Railway AC tickets on IRCTC
up to 10% RP on AC tickets
₹3,000
Dining & utility
3/125
₹0
All other retail (non-fuel)
1/125
₹0
Total Annual Return
₹36,000
10% Effective ROIWhat Users Are Saying
Community Feed
Jul 2025
“Need IRCTC CC. Thinking on getting SBI IRCTC Premier”
by r/CreditCardsIndia, Jul 2025
“SBI Irctc 1499 card ltf with bonuses!! Long read but worth”
by r/CreditCardsIndia, Jan 2026
“SBI IRCTC Premier card clarification”
by r/CreditCardsIndia, Aug 2025
“Has anyone used the IRCTC Railway Loyalty Cards listed”
by r/CreditCardsIndia, Jan 2026
“Any special credit card for IRCTC bookings?”
by r/CreditCardsIndia, Aug 2025
Frequently Asked Questions
The IRCTC SBI Card Premier charges ₹1,499 plus GST as a joining fee and the same ₹1,499 again at renewal. SBI Card waives the renewal fee if you spend ₹2L in the previous year, which is about ₹16,667 a month. If your card spend sits below that, treat ₹1,499 as a real yearly cost that your rewards have to clear first.
Things to Keep in Mind
Fuel transactions do not earn reward points.
