IRCTC SBI Card Premier review: fees, rewards and eligibility
The IRCTC SBI Card Premier has a recorded annual fee of ₹1,499 plus GST and a base earn of 1 Reward Point per ₹125 on eligible non-fuel retail purchases. CardMasters checked its issuer terms on 2026-07-23. Affiliate commission never changes ranking; confirm final terms and approval with SBI Card.
IRCTC SBI Card Premier: short answer
The IRCTC SBI Card Premier is in the mid tier of SBI Card credit cards, with a joining fee of ₹1,499, an annual fee of ₹1,499 plus GST (waived on ₹2,00,000 of eligible annual spend), a base earn of 1 Reward Point per ₹125 on eligible non-fuel retail purchases and a 3.5% forex markup. Rewards are not earned on fuel, rent, wallet load. It suits train travel, frequent rail commuter spending; whether it beats a card you already hold depends on your own spend mix and redemption choices.
Source: CardMasters issuer-evidence catalogue, release 2026-07-23. Confirm final terms with the issuer.
Reward structure
1 Reward Point per ₹125 on eligible non-fuel retail purchases
- 10 points per ₹100 on IRCTC train tickets (AC classes) — 10% value back as RP on AC1/AC2/AC3/CC bookings via IRCTC
- 2.4 points per ₹100 on dining and standing instruction utility spends — 3 Reward Points per ₹125
Eligibility and important limits
published monthly income floor ₹30,000 Approval remains solely at the issuer’s discretion.
Does not earn: fuel, rent, wallet load.
Important limit: Rail, air and e-catering bonuses apply only through the named IRCTC channels and eligible bookings
Frequently asked questions
What is the annual fee for the IRCTC SBI Card Premier?
The published annual fee in our current record is ₹1,499 plus applicable GST. It can be waived after ₹2,00,000 of eligible annual spend, subject to issuer terms.
How do rewards work on the IRCTC SBI Card Premier?
1 Reward Point per ₹125 on eligible non-fuel retail purchases. Accelerated routes include 10 points per ₹100 on IRCTC train tickets (AC classes); 2.4 points per ₹100 on dining and standing instruction utility spends. Reward value depends on the eligible transaction route and redemption method.
Which transactions do not earn rewards on the IRCTC SBI Card Premier?
The current issuer-sourced exclusions recorded by CardMasters include fuel, rent, wallet load. Merchant category coding and issuer terms determine final eligibility.
Who should consider the IRCTC SBI Card Premier?
It is most relevant for people focused on train travel, frequent rail commuter. Whether it improves your wallet still depends on your actual spending, existing cards, fees and redemption choices.
Is the IRCTC SBI Card Premier worth it?
It is worth holding only when the rewards and benefits you will genuinely use exceed ₹1,499 plus GST each year. The fee is waived at ₹2,00,000 of eligible annual spend, so check whether you reach that without forcing spend. Value the rewards at a realistic redemption rate, not the issuer's best-case example.
What is the eligibility for the IRCTC SBI Card Premier?
The published monthly income floor is ₹30,000. Approval, credit limit and final pricing are decided solely by the issuer.
What is the forex markup on the IRCTC SBI Card Premier?
The recorded foreign-currency markup is 3.5% before GST. On ₹1,00,000 of international spend that is about ₹3,500 in markup, so compare it against any rewards earned on overseas transactions.
Does the IRCTC SBI Card Premier offer airport lounge access?
Domestic lounge access: none (airport). International lounge access: none. Spend conditions and guest charges are set by the issuer and can change.