IRCTC SBI PREMIER Credit Card

IRCTC SBI PREMIER

If you frequently travel by Indian Railways and make online bookings through IRCTC's website, this card is tailor-made for you. IRCTC SBI Card Premier has several benefits on offer, such as welcome gift, value back benefits, milestone benefits, complimentary insurance cover, IRCTC railway and air ticket benefits, railway lounge program, fuel surcharge waiver, and so on.

Welcome Gift & Activation Benefits:

  • Get 1500 bonus reward points worth 1,500 on payment of your first annual fee
  • Get movie voucher of 500 from BookMyShow on spending 2,000 within first 60 days
  • Bonus Reward Points will be credited to your IRCTC SBI Card Premier account within 45 days of eligible transaction.

Reward Earnings

  • Get 10% value back as reward points on AC1, AC2, AC3, AC CC for your ticket purchase via irctc.co.in
  • Get 5 reward points per 100 on booking air tickets through air.irctc.co.in
  • Get 5 reward points per 100 on E-catering purchases via ecatering.irctc.co.in
  • Get 3 reward points per 125 on Dining & Utility spends
  • Earn 1 reward point on spending per 125 on other retail purchases (non fuel), including railway ticket purchases on irctc.co.in
  • To redeem your reward points you must link your IRCTC SBI Card loyalty number with your irctc.co.in Login ID.

Milestone Benefits

  • Get 2,500 bonus reward points on travel spending of 50,000 annually
  • Get 5,000 bonus reward points on travel spending of 1,00,000 annually
  • Annual Fee Reversal on spending of 2 Lakhs annually

Railway Lounge Program

Get complimentary 8 lounge access per year (maximum 2 per quarter)

Zero Payment Gateway Charges

You can save 1.8% transaction charges on booking railway ticket via www.irctc.co.in and booking airline ticket via on www.air.irctc.co.in

Fuel Surcharge Waiver

  • 1% fuel surcharge waiver across all petrol pumps available in India, on transactions of 500 to 3,000 (exclusive of GST & other charges).
  • Maximum surcharge waiver available is up to 100 per statement cycle per credit card account

Complimentary Insurance Cover

  • Rail Accident cover of up to 10 Lakhs
  • Air Accident Cover of up to 50 Lakhs
  • Fraud Liability cover of up to 1 Lakh
  • Joining Fee:  1,499 + applicable taxes
  • Renewal Fee: 1,499 + applicable taxes
  • Add-on Fee: Nil
  • Charges for minimum amount due: 5% of the total outstanding amount (minimum  200 + EMI for EMI based product) + all applicable taxes + OVL amount (if any).
  • Extended credit charges: 3.35% p.m. (40.2% p.a.) from the transaction date
  • Cash advance limit: Up to 80% of the credit limit, subject to a maximum of 12,000 per day. Cash advance fee of 3.35% p.m. (40.2% p.a.) from the date of withdrawal will be charged.
  • Cash advance fee: 2.5% of the amount of transaction (minimum  500) for all domestic and international ATMs.
  • Fee for payment dishonor: 2% of the payment amount (minimum  450)
  • Fee for statement retrieval:  100 per statement more than 2 months old
  • Fee for cheque pick-up:  100
  • Cheque fee:   100 for payments made through cheque up to 10,000
  • Late payment charges:
    • For amount due   0 -  200: Nil
    • For amount due   200 -  500:  100
    • For amount due  500 - 1,000:  400
    • For amount due  1,000 -  10,000:  600
    • For amount due  10,000 -  25,000:  800
    • For amount due above  25,000:  950
  • Overlimit Charges: 2.5% of the over limit amount (minimum  500)
  • Emergency card replacement fee when abroad: Actual cost (minimum $175)
  • Card replacement fee:  100
  • Foreign currency transaction/Conversion mark up: 3.5%
  • Rewards redemption fee:  99
  • Dynamic Currency Conversion fee/Markup Fee: 1.99% for ELITE Cardholders, only for transactions above or equal to  1,000), 3.50% (for all other cards)
  • Charges for Priority Pass Lounge: $27 per visit + applicable taxes for All Airport Lounge visits within India. $27 per visit + applicable taxes for All Airport Lounge visits outside India.
  • Cash Payment Fee:   100
  • Fee for change in billing cycle: 200 per successful request
  • Surcharges:
    • Railway tickets via irctc.co.in 1.8% of transaction amount + service charge (as applicable)
    • Railway tickets via counters:  30 + 2.5% of the transaction amount
    • Petrol & other products or services that are sold at petrol pumps: 1% fuel surcharge waiver for every transaction between 500 - 4,000 + applicable taxes and all other charges.

Q1. Will I get complimentary lounge access?

Yes, under the railway lounge programme, primary cardholders will get complimentary railway lounge access on credit card.

Q.2. How can I avail the Railway Lounge access on my card?

You will have to present your valid and unexpired eligible cards and valid train ticket at the entrance of the participating lounges. 2 will be charged from your account to validate your card for complimentary lounge access.

Q3. Can supplementary card holder avail the benefits of Railway Lounge access?

No, it is available only to primary cardholders.

Q.5. How many lounge accesses are available on my card?

Customer is eligible to a total of 8 complimentary railway lounge accesses with a maximum of 2 visits per quarter.

Q.6. In which railway stations can I avail the lounge access facility?

The facility is currently available at Platform No. 16 of New Delhi Railway Station, Platform No. 1 of Jaipur Jn Railway Station, Platform No. 1 of Agra Railway Station, Platform No. 1 of Ahmedabad Railway Station, and Madurai Railway Junction.

  1. Annual Fees (one-time charge) and Renewal Fees (charged every year) applicable on the SBI Credit Card may vary from card to card and cardholder to the cardholder. These fees are directly charged to the Cardholder's account and will be billed in the card statement of that month.
  2. In an emergency, the Cardholder can use their card to access cash from domestic /international ATMs. The fee is 2.5% or  300 at domestic ATMs (whichever is higher) and 3% or  300 at international ATMs (whichever is higher). SBI has the right to change the transaction fee.
  3. Interest-free grace period could range from 20 days to 50 days
  4. SBI Card may approve certain transactions which are over and above the cardholder's credit limit. The cardholder has to pay an over-limit fee of 2.5% of the exceeded-limit amount or  500 (whichever is higher).
  5. In the case of a Payment Dishonor, the cardholder will have to pay dishonor fee of 2% of Payment Amount (minimum  450).
  6. Credit Limit, as well as Cash Limit, is assigned to Cardholders on the basis of internal SBICPSL credit criteria. The limits are communicated at the time of card delivery to the cardholder.
  7. In case of default, reminders will be sent to the Cardholder by post, telephone, e-mail, fax, SMS for settlement of outstanding on the card account, by post, fax, phone, e-mail, SMS and/or engage third parties to remind, take follow up and collect dues.
  8. The Cardholder has the right to end the Agreement any time by calling into the SBI Card Helpline, writing to SBICPSL or, by cutting the card(s) diagonally. All the cards will be terminated basis the written request. However, the termination will only be effective after payment of all outstanding amounts on the card account.
  9. SBICPSL is authorized to share the information relating to repayment record of the cardholder to a Credit Information Company (RBI certified) within a period of 45 - 60 days.

SBI Card reserves the right to modify or remove one or more of the offers on IRCTC SBI Card PREMEIR at any point in time without any notice.

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If you frequently travel by Indian Railways and make online bookings through IRCTC's website, this card is tailor-made for you. IRCTC SBI Card Premier has several benefits on offer, such as welcome gift, value back benefits, milestone benefits, complimentary insurance cover, IRCTC railway and air ticket benefits, railway lounge program, fuel surcharge waiver, and so on.

Welcome Gift & Activation Benefits:

  • Get 1500 bonus reward points worth 1,500 on payment of your first annual fee
  • Get movie voucher of 500 from BookMyShow on spending 2,000 within first 60 days
  • Bonus Reward Points will be credited to your IRCTC SBI Card Premier account within 45 days of eligible transaction.

Reward Earnings

  • Get 10% value back as reward points on AC1, AC2, AC3, AC CC for your ticket purchase via irctc.co.in
  • Get 5 reward points per 100 on booking air tickets through air.irctc.co.in
  • Get 5 reward points per 100 on E-catering purchases via ecatering.irctc.co.in
  • Get 3 reward points per 125 on Dining & Utility spends
  • Earn 1 reward point on spending per 125 on other retail purchases (non fuel), including railway ticket purchases on irctc.co.in
  • To redeem your reward points you must link your IRCTC SBI Card loyalty number with your irctc.co.in Login ID.

Milestone Benefits

  • Get 2,500 bonus reward points on travel spending of 50,000 annually
  • Get 5,000 bonus reward points on travel spending of 1,00,000 annually
  • Annual Fee Reversal on spending of 2 Lakhs annually

Railway Lounge Program

Get complimentary 8 lounge access per year (maximum 2 per quarter)

Zero Payment Gateway Charges

You can save 1.8% transaction charges on booking railway ticket via www.irctc.co.in and booking airline ticket via on www.air.irctc.co.in

Fuel Surcharge Waiver

  • 1% fuel surcharge waiver across all petrol pumps available in India, on transactions of 500 to 3,000 (exclusive of GST & other charges).
  • Maximum surcharge waiver available is up to 100 per statement cycle per credit card account

Complimentary Insurance Cover

  • Rail Accident cover of up to 10 Lakhs
  • Air Accident Cover of up to 50 Lakhs
  • Fraud Liability cover of up to 1 Lakh
  • Joining Fee:  1,499 + applicable taxes
  • Renewal Fee: 1,499 + applicable taxes
  • Add-on Fee: Nil
  • Charges for minimum amount due: 5% of the total outstanding amount (minimum  200 + EMI for EMI based product) + all applicable taxes + OVL amount (if any).
  • Extended credit charges: 3.35% p.m. (40.2% p.a.) from the transaction date
  • Cash advance limit: Up to 80% of the credit limit, subject to a maximum of 12,000 per day. Cash advance fee of 3.35% p.m. (40.2% p.a.) from the date of withdrawal will be charged.
  • Cash advance fee: 2.5% of the amount of transaction (minimum  500) for all domestic and international ATMs.
  • Fee for payment dishonor: 2% of the payment amount (minimum  450)
  • Fee for statement retrieval:  100 per statement more than 2 months old
  • Fee for cheque pick-up:  100
  • Cheque fee:   100 for payments made through cheque up to 10,000
  • Late payment charges:
    • For amount due   0 -  200: Nil
    • For amount due   200 -  500:  100
    • For amount due  500 - 1,000:  400
    • For amount due  1,000 -  10,000:  600
    • For amount due  10,000 -  25,000:  800
    • For amount due above  25,000:  950
  • Overlimit Charges: 2.5% of the over limit amount (minimum  500)
  • Emergency card replacement fee when abroad: Actual cost (minimum $175)
  • Card replacement fee:  100
  • Foreign currency transaction/Conversion mark up: 3.5%
  • Rewards redemption fee:  99
  • Dynamic Currency Conversion fee/Markup Fee: 1.99% for ELITE Cardholders, only for transactions above or equal to  1,000), 3.50% (for all other cards)
  • Charges for Priority Pass Lounge: $27 per visit + applicable taxes for All Airport Lounge visits within India. $27 per visit + applicable taxes for All Airport Lounge visits outside India.
  • Cash Payment Fee:   100
  • Fee for change in billing cycle: 200 per successful request
  • Surcharges:
    • Railway tickets via irctc.co.in 1.8% of transaction amount + service charge (as applicable)
    • Railway tickets via counters:  30 + 2.5% of the transaction amount
    • Petrol & other products or services that are sold at petrol pumps: 1% fuel surcharge waiver for every transaction between 500 - 4,000 + applicable taxes and all other charges.

Q1. Will I get complimentary lounge access?

Yes, under the railway lounge programme, primary cardholders will get complimentary railway lounge access on credit card.

Q.2. How can I avail the Railway Lounge access on my card?

You will have to present your valid and unexpired eligible cards and valid train ticket at the entrance of the participating lounges. 2 will be charged from your account to validate your card for complimentary lounge access.

Q3. Can supplementary card holder avail the benefits of Railway Lounge access?

No, it is available only to primary cardholders.

Q.5. How many lounge accesses are available on my card?

Customer is eligible to a total of 8 complimentary railway lounge accesses with a maximum of 2 visits per quarter.

Q.6. In which railway stations can I avail the lounge access facility?

The facility is currently available at Platform No. 16 of New Delhi Railway Station, Platform No. 1 of Jaipur Jn Railway Station, Platform No. 1 of Agra Railway Station, Platform No. 1 of Ahmedabad Railway Station, and Madurai Railway Junction.

  1. Annual Fees (one-time charge) and Renewal Fees (charged every year) applicable on the SBI Credit Card may vary from card to card and cardholder to the cardholder. These fees are directly charged to the Cardholder's account and will be billed in the card statement of that month.
  2. In an emergency, the Cardholder can use their card to access cash from domestic /international ATMs. The fee is 2.5% or  300 at domestic ATMs (whichever is higher) and 3% or  300 at international ATMs (whichever is higher). SBI has the right to change the transaction fee.
  3. Interest-free grace period could range from 20 days to 50 days
  4. SBI Card may approve certain transactions which are over and above the cardholder's credit limit. The cardholder has to pay an over-limit fee of 2.5% of the exceeded-limit amount or  500 (whichever is higher).
  5. In the case of a Payment Dishonor, the cardholder will have to pay dishonor fee of 2% of Payment Amount (minimum  450).
  6. Credit Limit, as well as Cash Limit, is assigned to Cardholders on the basis of internal SBICPSL credit criteria. The limits are communicated at the time of card delivery to the cardholder.
  7. In case of default, reminders will be sent to the Cardholder by post, telephone, e-mail, fax, SMS for settlement of outstanding on the card account, by post, fax, phone, e-mail, SMS and/or engage third parties to remind, take follow up and collect dues.
  8. The Cardholder has the right to end the Agreement any time by calling into the SBI Card Helpline, writing to SBICPSL or, by cutting the card(s) diagonally. All the cards will be terminated basis the written request. However, the termination will only be effective after payment of all outstanding amounts on the card account.
  9. SBICPSL is authorized to share the information relating to repayment record of the cardholder to a Credit Information Company (RBI certified) within a period of 45 - 60 days.

SBI Card reserves the right to modify or remove one or more of the offers on IRCTC SBI Card PREMEIR at any point in time without any notice.

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