At a Glance
Key Benefits
Up to 10% value back on IRCTC, 1.8% transaction charge waiver, 1 RP = Rs 1
Lounge Access
8 railway lounge visits/year (Delhi, Jaipur, Agra, Ahmedabad, Kolkata)
Eligibility
Salaried: Rs 25,000+/month, Age: 21-65 years, CIBIL: 750+
Quick Details
Reward Structure
All Spends
Dining
IRCTC Railway Booking (Non-Peak)
IRCTC Railway Booking (Peak)
IRCTC Air Tickets
Reward Calculator
Milestone Benefits
1,500 reward points on payment of first annual fee
value
2,500 reward points on Rs 50,000 annual travel spend
Spend ₹50,000 within 365 days
value
5,000 reward points on Rs 1 lakh annual travel spend
Spend ₹1,00,000 within 365 days
value
Annual fee waiver on Rs 2 lakh annual spend
Spend ₹2,00,000 within 365 days
value
Airport Lounge Access
visits per year
Railway lounge access at Delhi, Jaipur, Agra, Ahmedabad, Kolkata Sealdah. Max 2 visits per quarter.
Insurance Coverage
Fraud
₹1,00,000
Fraud liability cover from 48 hours prior to reporting till 7 days post reporting.
Lost Card
₹0
Zero liability for lost card transactions when reported within 3 days.
Quick Analysis
The IRCTC SBI Card Premier is ideal for frequent train travelers who book via IRCTC. With up to 10% value back on AC tickets and 8 railway lounge visits, it offers excellent value for regular rail users. However, the card is niche and benefits are limited if you do not travel by train frequently.
Pros
- Up to 10% value back on IRCTC railway bookings
- 8 complimentary railway lounge visits per year
- 1.8% transaction charge waiver on IRCTC bookings
- 1 Reward Point = Rs 1 value
- Fee waiver on Rs 2 lakh annual spend
Cons
- Limited to railway travel benefits
- Insurance coverage discontinued from July 2025
- No international lounge access
- Not suitable for non-train travelers
Best For
Frequent railway travelers who book via IRCTC
Not Ideal For
Travelers who prefer flights or rarely use trains
Frequently Asked Questions
What is the IRCTC SBI Card Premier annual fee?
How much reward value can I earn on IRCTC bookings?
What is the lounge access benefit?
What is the value of 1 Reward Point?
Is insurance included with this card?
What is the minimum income required?
User Reviews
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