IRCTC SBI Card Premier Features

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.

Additional Info: Also Check Check SBI Credit Card Eligibilty

IRCTC SBI Card Premier 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.

IRCTC SBI Card Premier Fee

  • Joining fee: Rs. 499
  • Annual fee: Rs. 499 (Fee reversal on Rs. 1 Lakh spends in previous year)

Additional Info: Also Check SBI Credit Card Statement

IRCTC SBI Card Premier Eligibility

  • Should be an Indian resident
  • Minimum age of 18 years
  • Must be salaried or self employed
  • Possess last 3 months bank statements

Additional Info: Check the Best Travel Credit Cards in India & apply.

Documents required for SBI PREMIER Credit Card 

  • KYC fulfilment: Passport/ Voter's ID Card/ Driving Licence/ Aadhaar Letter or Card/NREGA Card/PAN Card
  • Address proof: Utility Bills/ Ration Card/ Passport
  • ID proof: Aadhar Card/ PAN card/ Driving license/ Voter Id Card
  • Income Proof: Last 3 Salary slips / bank statements
  • Photographs

IRCTC SBI Card Premier Rewards & Cashback points

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

Additional Info: Also Check SBI Balance Check Number

IRCTC SBI Card Premier Charges

  • 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

IRCTC SBI Card Premier 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

Additional Info: Are you looking for Instant SBI Personal Loan


  • 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.

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IRCTC SBI Premier Credit Card FAQs

✅ Will I get complimentary lounge access?


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

✅ 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.  You will be charged from your account to validate your card for complimentary lounge access.

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


No, it is available only to primary cardholders.

✅ 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.

✅ 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