IRCTC SBI Card Premier
An IRCTC co-brand card: 3 points per ₹125 on dining, 1 per ₹125 on other non-fuel spends, plus up to 10% back as points on AC train tickets booked on IRCTC; points (₹1 each) move to the IRCTC loyalty account and are redeemed on IRCTC train tickets. Every figure below is copied from SBI Card’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Fees and charges
| Joining fee | ₹1,499 plus GST Product page |
|---|---|
| Annual fee | ₹1,499 plus GST Product page |
| Annual fee waiver | On ₹2,00,000 of spend in the year Product page |
| GST on fees | 18% |
| Foreign-currency markup | 3.5% of the transaction, plus GST MITC |
Rewards
Reward points, ₹1 each when redeemed as stated Terms.
| Spend | Earns | Cap |
|---|---|---|
| Dining (and utility bills paid by standing instruction) | 3 points per ₹125 Terms | no cap on record |
| Other non-fuel retail spends, including IRCTC train tickets | 1 point per ₹125 Terms | no cap on record |
Points are transferred each month to the cardholder's IRCTC loyalty account and can be redeemed only on IRCTC train tickets (AC classes).
The travel value back on AC train tickets (shown as a highlight) is not priced: SBI Card gives it as 10 points per ₹100 in one place, 10 per ₹125 in another, and as 4 or 10 per ₹100 by travel season in the IRCTC loyalty terms, and it accrues on base fare only. The calculator counts IRCTC train tickets at the base rate. Utility bills earn 3 points per ₹125 only when paid by standing instruction.
No rewards on
Benefits
- Lounges: none on record
- Fuel: 1% fuel surcharge waived on fills of ₹500 to ₹4,000, up to ₹250 a statement cycle Product page
- Welcome: 1,500 reward points worth ₹1,500 on payment of the first annual fee Product page
- Milestone: 2,500 points (₹2,500 on IRCTC) on ₹50,000 of travel spends (airlines, railways, travel agents) in a card year Product page
- Milestone: 5,000 points (₹5,000 on IRCTC) on ₹1 lakh of travel spends in a card year Product page
Also on this card
Quoted from SBI Card; not counted in the net value.
- Up to 10% back as points on AC train tickets booked on the IRCTC website or app Product page
- 5 points per ₹125 on IRCTC air tickets and e-catering (air capped at 750 points a month) Terms
- 1% IRCTC transaction charge saved on railway bookings on irctc.co.in Product page
- 1.8% transaction charge saved on air tickets on air.irctc.co.in Product page
- 8 complimentary railway lounge visits a year (up to 2 a quarter) Product page
- 3 points per ₹125 on utility bills paid by standing instruction Product page
- Fraud liability cover of ₹1 lakh Product page
Eligibility
The issuer does not publish its criteria on the pages read. Approval is its own decision.
Not published by SBI Card in the documents read
- eligibility criteria
- a reward rate on UPI spends
Where SBI Card’s documents differ, and what is used
- Rail value back: the product feed says "up to 10%"; the card terms say both 10 points per ₹100 on AC tickets and 10 Travel Reward Points per ₹125; the IRCTC loyalty scheme gives 4 or 10 points per ₹100 depending on the travel date, earned on base fare. Not priced; shown as a highlight.
- Fuel surcharge cap: the product feed says ₹250 per statement cycle; the card terms say ₹250 monthly. The statement-cycle wording is used.
- Milestones: the product feed says "annual travel spends"; the card terms count milestones over 12 months from account set-up. Eligible travel MCCs are airlines, railways, car rental and travel agents (not hotels booked directly).
The quotes behind the figures
46 figures, each copied from an official SBI Card document.
Show every quote and source
“The Annual Fee of the card is Rs. 1,499 + taxes. The Renewal Fee is Rs. 1,499 + taxes from second year onwards.”
“Renewal Fee (per annum): Rs. 1,499 + taxes”
“for the cardholders having State of residence in the records of SBI Card on the statement date as other than "Haryana" - Integrated Tax @ 18%”
“Spend based reversal of annual fee on spends of Rs. 2 Lakhs”
“Foreign Currency Transaction Fee: 3.5% (For all cards except AURUM, Elite, Prime NRI secured, Tata Neu Infinity SBI Credit Card, SBI Card Miles Elite/ Miles Prime/ Miles).”
“1 Reward Point = `1”
“ii. Cardholder shall earn 3 reward Point for `125 spent on Dining and Standing Instruction on Utility Spends”
“3 Reward Points per Rs. 125 spent on Dining and standing instructions on Utility spends”
“iii. Cardholder shall earn 1 Point for every eligible `125 charged to your IRCTC SBI Card Premier for Domestic as well as International Transactions.”
“1 Reward Point per Rs. 125 spent on other non-fuel retail purchases”
“1 Reward point on every `125 spent on non-fuel retail transactions including railway ticket purchases at www.irctc.co.in”
“Any purchase at petrol pumps/service stations identified under MCC 5172, 5541, 5983, 5542”
“E-wallet loading transactions under MCCs 6540 & 6541 w.e.f 1st July 2020”
“W.e.f. 15 Apr 2024, accrual of Reward Points on Rent Payment transactions with IRCTC SBI Card Premier will be discontinued.”
“W.e.f. 15 July 2024, accrual of Reward Points on Govt. Related transactions for your IRCTC SBI Card Premier will be discontinued.”
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“IRCTC SBI Card Premier 1,499 1,499 (Waived off on annual spends of Rs.2 Lakh or more in the preceding year)”
“h) 10% value back i.e. 10 Reward Points per `100 on all AC ticket purchases is also applicable on discounted train ticket bookings.”
“10 SBI Card Travel Reward Points will be given for every `125. This is subject to change at the discretion of SBICPSL.”
“4 Reward Points for every Rs. 100 spent 10 Reward Points for every Rs. 100 spent”
“Earning on Air ticket booking is capped at 750 Reward Points in each monthly statement cycle.”
“Each Reward Point is equivalent to ` 1 of your ticket fares when redeeming these Reward Points”
“Reward Points will be transferred to IRCTC Loyalty A/c and can be redeemed on IRCTC Website or Mobile App (Android only)”
“The monthly accumulated Reward Points are transferred by SBI Card to IRCTC on the 15th of every month. The SBI Card Reward Point balance will stand zero post transfer of points.”
“Eligible Travel spends for milestone includes Visa/RuPay defined MCC category: - Travel Agents - Railways”
“(g) Product milestones and spend based waivers are calculated from account set up date for a period of 12 months.”
“4. On purchase of fuel between Rs. 500/- and Rs. 4,000/- each time, get 1% surcharge waiver upto `250 monthly.”
“With effect from 26th July'25, the complimentary Air Accident insurance coverage of Rs. 50 lakhs offered on your IRCTC SBI Card Premier discontinued.”
“With effect from 26th December'24, Reward points will be valid for a period of 2 years from the date of member's registration.”
“IRCTC SBI Card Premier - Benefits & Features - Apply Now | SBI Card”
“List of eligible Merchant Category Codes (MCCs) for Milestone benefits”
“Enjoy a 1% fuel surcharge waiver across all petrol pumps in India, on transactions of Rs. 500 to Rs. 4,000”
“Maximum waiver of Rs. 250 per statement cycle, per credit card account”
“Get 1,500 reward points worth Rs. 1,500 on payment of 1st Annual Fee”
“2,500 Reward Points on annual travel spends of Rs. 50,000”
“5,000 Reward Points on annual travel spends of Rs. 1 Lakh”
“Up to 10% value back as reward points on buying tickets through IRCTC App and Website for AC1, AC2, AC3, Executive Chair car and Chair Car.”
“Cardholder shall earn 5 reward Point for `125 spent on Air and E-Catering through www.air.irctc.co.in and www.ecatering.irctc.in”
“Save 1% transaction charges on railway ticket bookings on www.irctc.co.in”
“Save 1.8% transaction charges on airline ticket bookings on www.air.irctc.co.in”
“8 complimentary railway lounge access in a year in India (max. 2 per quarter)”
“Complimentary Fraud Liability cover of Rs. 1 lakh”
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“B. The Visa/RuPay logo: The hologram and the logo ensure that all establishments throughout the world displaying the Visa/RuPay logo will accept your card.”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with SBI Card or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is SBI Card’s own file from its website, unaltered, fetched 2026-10-15. Methodology