The IRCTC SBI Card Premier is a Visa Signature credit card that combines railway travel benefits with everyday spending rewards. It is the premium variant of the IRCTC SBI Platinum Card, offering enhanced value back rates and additional perks.

• Card Network: Visa Signature
• Card Type: Co-branded travel credit card
• Issuer: SBI Cards and Payment Services Limited
• Partner: Indian Railway Catering and Tourism Corporation (IRCTC)
• Annual Fee: Rs 1,499 + GST (waived on Rs 2 Lakh annual spend)
• Reward Currency: SBI Reward Points (1 RP = Rs 1)

The primary advantage of this card is the substantial savings on IRCTC bookings:

• 10% Value Back on AC1, AC2, AC3, Executive Chair Car and Chair Car tickets booked on irctc.co.in and IRCTC Mobile App
• 5% Value Back on air ticket purchases at air.irctc.co.in
• 5% Value Back on e-catering purchases at ecatering.irctc.co.in
• 1% Transaction Charge Waiver on railway ticket bookings on irctc.co.in
• 1.8% Transaction Charge Waiver on airline ticket bookings on air.irctc.co.in

Railway Lounge Access

Enjoy 8 complimentary railway lounge visits per year (maximum 2 per quarter) at participating railway lounges across India. Only primary cardholders can avail this benefit. A nominal Rs 2 charge is applied for card validation.

Reward Points on Daily Spends

• 3 Reward Points per Rs 125 spent on dining and standing instruction utility payments (2.4% value back)
• 1 Reward Point per Rs 125 on other non-fuel retail purchases (0.8% value back)
• Fuel transactions do not earn reward points

Fuel Surcharge Waiver

Get 1% fuel surcharge waiver on transactions between Rs 500 and Rs 4,000 at all petrol pumps in India. Maximum waiver of Rs 250 per statement cycle.

Visa Signature Privileges

• Up to 10% savings on Hertz car rentals
• Up to 35% savings on Avis car rentals
• Exclusive benefits across 900 luxury hotels worldwide
• Up to 10,000 miles per night on hotel stays plus 25% extra miles on Kaligo.com

• Get 1,500 Reward Points (worth Rs 1,500) on payment of the first annual fee
• Points credited within 45 days of eligible transaction
• Link your IRCTC loyalty number with your IRCTC login ID to redeem points

Milestone Benefits

• Rs 50,000 Travel Spend: Earn 2,500 Reward Points on annual travel spends of Rs 50,000 or above
• Rs 1,00,000 Travel Spend: Earn 5,000 Reward Points on annual travel spends of Rs 1,00,000 or above
• Eligible travel spends include Travel Agents and Railways MCC categories
• Reward Points credited within 15 days of achieving spends

Annual Fee Waiver

The renewal fee of Rs 1,499 is waived on spending Rs 2 Lakhs or more in the anniversary year, effectively making the card lifetime free for regular spenders.

The IRCTC SBI Card Premier provides complimentary railway lounge access across India.

Railway Lounge Access Details

• Visits: 8 complimentary visits per year
• Frequency Cap: Maximum 2 visits per quarter
• Eligible: Primary cardholder only
• Validation: Rs 2 charged to card for validation
• Duration: Post 2 hours, the lounge may charge additional fees
• Requirement: Present card with valid train travel ticket at participating lounges

Note: This card does not provide airport lounge access. For airport lounges, consider upgrading to a card with Priority Pass or DreamFolks membership.

The IRCTC SBI Card Premier operates on the SBI Rewardz program with points transferred to your IRCTC loyalty account. Here is how you earn:

• IRCTC Bookings: Up to 10% value back on AC class and Chair Car tickets
• Air Tickets (IRCTC): 5% value back on air.irctc.co.in purchases
• E-Catering (IRCTC): 5% value back on ecatering.irctc.co.in
• Dining: 3 Reward Points per Rs 125 spent (2.4% value back)
• Utility (Standing Instructions): 3 Reward Points per Rs 125 (2.4% value back)
• Other Retail: 1 Reward Point per Rs 125 (0.8% value back)
• Fuel: No reward points on fuel transactions

Redeeming Reward Points

1 Reward Point = Rs 1. Points are transferred to your IRCTC loyalty account and can be redeemed on the IRCTC website or Mobile App (Android only). A redemption fee of Rs 99 applies for physical products, statement credits, and physical vouchers via SBI Rewardz. Points expire after 24 months if not redeemed.

• Nationality: Indian resident
• Age: 21 to 60 years (salaried), up to 65 years (self-employed)
• Income: Minimum net monthly income of Rs 50,000 (salaried) or annual ITR of Rs 3 Lakh+ (self-employed)
• Credit Score: CIBIL score of 750 or above recommended

Employment

Both salaried and self-employed individuals are eligible to apply. A stable income source and good credit history are required for approval.

• PAN Card
• Aadhaar Card
• Passport
• Voter ID

Address Proof (any one)

• Aadhaar Card
• Passport
• Voter ID
• Utility Bill (electricity, telephone, gas - not older than 3 months)
• Driving License

Income Proof (any one)

• Salaried: Latest salary slips (last 3 months), Form 16, or bank statement showing salary credits
• Self-Employed: Income Tax Returns (last 2 years), audited financial statements, or business proof

1. Visit the SBI Card website at sbicard.com
2. Navigate to Travel credit cards and select IRCTC SBI Card Premier
3. Click on the Apply Now button
4. Fill in your personal, employment, and financial details
5. Upload required documents
6. Submit the application
7. An SBI Card representative will contact you for verification

Offline Application

Visit the nearest SBI branch or SBI Card office with the required documents to apply in person.

The IRCTC SBI Card Premier is one of the best credit cards for frequent Indian Railways travelers. Its standout feature is the 10% value back on IRCTC ticket bookings, combined with an excellent 1 RP = Rs 1 redemption value. The welcome bonus of 1,500 points effectively covers the joining fee, and milestone benefits can add up to Rs 7,500 in annual rewards.

The 8 complimentary railway lounge visits per year, fuel surcharge waiver, and transaction charge savings on IRCTC further enhance the overall value proposition. However, the card has limitations as a daily driver with its low 0.8% base reward rate and 3.5% forex markup. For travelers who spend Rs 2 Lakhs or more annually, the card becomes effectively free with the fee waiver, making it an excellent supplementary card alongside a general-purpose rewards card.