SBI
SBI IRCTC Premier Credit Card
This is an invite only card
Top Benefits
Earn Up to 10% Value Back as Reward Points on AC Train Tickets
Book 1st Class AC, 2nd Class AC, 3rd Class AC, Executive Chair Car and Chair Car tickets on the IRCTC website and Mobile App with no monthly or annual cap on the value back
Enjoy 8 Complimentary Railway Lounge
every year across India, capped at a maximum of 2 visits per quarter
Best For
Travel
Expert Review
Joining / Annual Fee
Joining Fees
₹1,769 ( ₹1499 + GST )
Annual Fees
₹1,769 ( ₹1499 + GST )
Eligibility
Age
Criteria*
21-60 years
Salary
Criteria*
3LPA
Credit
Rating*
720+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
No
All Card Benefits
- up to 10% value back as Reward Points on 1st Class AC, 2nd Class AC, 3rd Class AC, ticket purchases at www.irctc.co.in and the IRCTC Mobile App with no monthly or annual cap
- 5% back on air ticket purchases at www.air.irctc.co.in and on e-catering purchases at www.ecatering.irctc.co.in
- 3 Reward Points per ₹125 on dining and on standing instructions on utility spends
- Milestone benefits give 2,500 Reward Points on annual travel spends of ₹50,000
- 5,000 Reward Points on annual travel spends of ₹1 lakh
- 8 complimentary railway lounge visits a year maximum 2 per quarter
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 Reward Point = ₹1
Redemption Options
- Rail Ticket on IRCTC
- E-Vouchers
- Electronics
To check redemption catalogue
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Fuel
Balance Transfer
Cash Advance
Encash
Financial Charges
E-Wallet Loading
Rent Payment
Government Services
Disputed Transaction
For Spends Waiver
Fuel
Balance Transfer
Cash Advance
Encash
Financial Charges
E-Wallet Loading
Rent Payment
Government Services
Disputed Transaction
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  3.50% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency | 3.5% |
APR Fees Finance charges of 3.75% per month 45% per annum apply on unpaid outstanding balances until the amount is fully repaid | 3.75% |
ATM withdrawal 2.50% of the withdrawn amount is charged on cash advances using the credit card minimum ₹500, if applicable | 2.5% |
Reward Redemption Fees ₹99 redemption fee per redemption | ₹99 |
Link for all T&Cs | Click Here |
Railway Surcharge A surcharge of 1% is applied to transactions made for booking railway tickets | 1% |
Rent Payment Fees A surcharge fee of ₹199 + GST applies on rental transactions made using the credit card | ₹199 |
cheque Payment Fees A fee of 2.00% of the payment amount minimum ₹500 is levied for cheque return, cheque dishonour, or auto-debit reversal | 2% |
Cash Payment Fees A fee of ₹250 is levied when the outstanding is paid in cash over the counter at an SBI branch | ₹250 |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹500 | ₹0 |
| ₹501 - ₹1,000 | ₹400 |
| ₹1,001 - ₹10,000 | ₹750 |
| ₹10,001 - ₹25,000 | ₹950 |
| ₹25,001 - ₹50,000 | ₹1100 |
| Above ₹50,000 | ₹1300 |
That’s the full story of this credit card
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Top Benefits
Top Benefits
Earn Up to 10% Value Back as Reward Points on AC Train Tickets
Book 1st Class AC, 2nd Class AC, 3rd Class AC, Executive Chair Car and Chair Car tickets on the IRCTC website and Mobile App with no monthly or annual cap on the value back
Enjoy 8 Complimentary Railway Lounge
every year across India, capped at a maximum of 2 visits per quarter
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