IRCTC SBI Card Premier

The premium variant of SBI's IRCTC co-brand line, giving frequent rail travellers a strong 10% effective return on IRCTC bookings plus railway lounge access.

Rates and fees last verified 14 September 2026.

Annual fee

₹1,499

Joining fee

₹1,499

Reward type

points

Base reward rate

0.8%

Card network

Visa

Card tier

Mid

Reward rates by category

Travel10%
Dining2.4%

Eligibility

Minimum credit score: 700
Minimum monthly income: ₹20,000
Employment: salaried, self-employed
Age: 21–60

Benefits

1,500 bonus Reward Points on joining
8 complimentary railway lounge visits per calendar year at select stations (New Delhi, Agra, Ahmedabad, Jaipur, and more)
10% value back as Reward Points on IRCTC train ticket bookings via the IRCTC website/app

Pros

+ 10% value back on IRCTC ticket bookings
+ 8 complimentary railway lounge visits a year
+ Fee waived on moderate Rs 2 lakh annual spend

Cons

− Low base reward rate on general spend
− No Priority Pass/airport lounge access, only railway lounges
− Reward value concentrated on IRCTC bookings

Apply on SBI Card's site

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