What are the primary benefits of the IRCTC SBI Card Premier?

The IRCTC SBI Card Premier offers accelerated reward points on IRCTC transactions, complimentary railway lounge access, and waivers on IRCTC booking charges, making it ideal for frequent rail travelers.

How do I earn reward points with the IRCTC SBI Card Premier?

With the IRCTC SBI Card Premier, earn up to 10% value back on IRCTC railway bookings, 3 Reward Points per ₹125 on dining and utility bills, and 1 Reward Point per ₹125 on other retail spends.

Is there a joining fee for the IRCTC SBI Card Premier, and what welcome benefits are offered?

Yes, the IRCTC SBI Card Premier has a joining fee of ₹1499 + GST. You receive 1500 Reward Points (worth ₹1500) as a welcome benefit upon fee payment.

Does the IRCTC SBI Card Premier provide lounge access?

Yes, the IRCTC SBI Card Premier offers 8 complimentary railway lounge accesses annually at participating lounges in India, limited to 2 per quarter for primary cardholders.

Can the annual fee for the IRCTC SBI Card Premier be waived?

Yes, the renewal fee for the IRCTC SBI Card Premier is waived if your annual spends exceed ₹2 Lakhs in the preceding year.

What are the charges for redeeming reward points on the IRCTC SBI Card Premier?

A fee of ₹99 is applicable for each reward point redemption request made with the IRCTC SBI Card Premier.

What is the foreign currency markup on the IRCTC SBI Card Premier?

The IRCTC SBI Card Premier charges a foreign currency markup of 3.5% on all international transactions.

What insurance benefits are included with the IRCTC SBI Card Premier?

The IRCTC SBI Card Premier provides a complimentary fraud liability cover of ₹1 lakh and overseas accident cover of ₹50 lakh.

Are there any milestone benefits on the IRCTC SBI Card Premier?

Yes, the IRCTC SBI Card Premier rewards you with 2,500 Reward Points on ₹50,000 annual travel spends and an additional 5,000 Reward Points on ₹1,00,000 annual travel spends.

How can I redeem reward points earned with the IRCTC SBI Card Premier?

You can redeem IRCTC SBI Card Premier reward points on the IRCTC website or mobile app by linking your loyalty ID, or via the SBI Rewardz website for various merchandise and vouchers.

State Bank of India

IRCTC SBI Card Premier

TravelDiningUtilities

Last updated: 26 October 2025

Benefits & Features

Explore key benefits designed to maximize your lifestyle

Welcome Offer

Get 1500 Reward Points (worth ₹1500) on payment of the first annual fee.

Rewards Rate

Up to 10% value back on IRCTC railway bookings. 3 RP/₹125 on dining & utilities. 1 RP/₹125 on other retail.

Reward Type

Reward Points

Reward Redemption

Redeem points on IRCTC website/app by linking ID, or via SBI Rewardz for shopping, gifts & vouchers.

Domestic Lounge Access

8 complimentary railway lounge accesses annually across India (max 2 per quarter) for primary cardholders.

Insurance Coverage

Complimentary fraud liability cover of ₹1 lakh & overseas accident cover of ₹50 lakh.

Dining

Earn 3 Reward Points per ₹125 spent on Dining expenses.

Travel Benefits

8 complimentary railway lounge access annually (max 2/quarter). Waivers on IRCTC railway/airline booking charges.

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Frequently Asked Questions

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