IRCTC SBI Premier Credit Card Review

IRCTC SBI Card Premier is a multipurpose credit card from the State Bank of India, this card is designed for those who travel frequently with IRCTC or by airline. It offers lots of exclusive benefits like Value back, reward benefits, railway lounge access, travel benefits, fuel surcharge waiver, fraud protection, insurance coverage, milestone benefit, contactless payment facility, and lots more. 

Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 21 to 60 yrs. 
    • Income: ₹25,000 monthly. 
  • For self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: Income tax return should be higher than ₹3 lakh annually. 
  • Good CIBIL Score (750 or more).
  • Good relation with the bank. 

Required Documents:

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Latest salary slip, (3 months) 
      • ITR
    • Self-employed person
      • Latest Income tax return. 
      • Proof of business
      • Recent audited financial report. 


  • Joining Fee: ₹1499 + GST
  • Annual Fee: ₹1499 + GST


  • Welcome benefit:

After receiving the card and the payment of the first annual fees you will get 1500 reward points as a welcome gift which equals ₹1500.

  • Value back benefit:

You will be able to get 10%back on AC1, AC2, AC3, AC, CC tickets as reward points.

You will get 5% value back for purchasing air tickets

  • Reward benefit:

If you spend Rs.125 on dining and standing instruction you will get 3 reward points.

If you spend Rs.125 for other retail purchases except for fuel you will get 1 reward point.

These reward points are redeemable and you can redeem these reward points through making payments, exclusive catalogs, railway ticket bookings, etc.

  • Railway Lounge access:

You will get 8 congratulatory lounge accesses per year. You can claim maximum 2 lounge accesses per quarter

  • Travel benefit:

You will get 1% off on bookings of railway tickets on

You will get 1.8% off on bookings of airline tickets on 

You will be able to go to many places of adventure, wildlife, pilgrimage, etc. in India.

You will get offers from more than 5000 hotels in 350 cities in India.

  • Fuel surcharge waiver:

You will be able to get a discount of 1% fuel surcharge. You can save a maximum of ₹250 per statement cycle. 

  • Insurance Coverage:

This card offers ₹10 lakh coverage for rail accidental death. 

You will also get ₹50 lakh coverage for air accidental death.  

  • Lost card liability coverage:

This card comes with fraud liability coverage of ₹1 lakh, to avail the benefits of the coverage you have to report the loss as soon as possible. 

  • Milestone benefit:

If you spend Rs.50000 for traveling in a year you will get 2500 reward points.

If you spend Rs.100000 for traveling in a year you will get 5000 reward points.

If you can spend ₹2 lakh with your card within a year then the annual fee for the next year will be waived off. 

  • Visa benefits:

You can save up to 10% and 35% on the rent of Hertz car and Avis Car rentals respectively. 

You can enjoy awesome offers at more than 900 luxury hotels all around the world.

You will get 10000 miles per night if you stay at hotels and you’ll get extra 25% miles on

  • Global acceptance:

You can use the card in more than 24 million outlets in the world and 3.25 lakh outlets in India.

  • Contactless payment facility:

This card comes with a contactless payment facility, it allows you to pay your bills with just a wave at any secure reader machine.  

  • Add on card:

You can add your loved ones with your card as an add-on member so that they can also enjoy the benefits of having a credit card. The add-on member should be at least 18 years old.

  • Flexipay:

By using flexipay you can convert any transection over ₹2500 into easy monthly installments. 

  • Security: 

This card has a built-in EMV Chip, this chip is designed to add more security and convenience to your transactions.


  • Cash Withdrawal Charge: 2.5% against the amount, min ₹500. 
  • Finance Charge: 3.35% monthly. 
  • Foreign currency transaction: 3.5% against the transacted amount. 

Contact Details:

Call: 1800 180 1290 (toll free) 

         3902-0202 (add the STD code of your locality)

Mail: [email protected]

100xGain Ratings:


Final Opinion:

If you want a low-cost travel credit card, and if you travel frequently with IRCTC, then this card will be the best option for you. It offers Cash-Back on railway ticket booking, reward points on daily expenses, railway lounge access, travel benefit, insurance coverage, exclusive benefits from Visa, Flexipay, and lots more. So if you are a regular traveler of IRCTC then this is a must-have credit card for you. 

But if you do not travel frequently with IRCTC then you can go for American Express Platinum Travel Credit Card, and if you want to spend less you can go for IndusInd Bank InterMiles Voyage Credit Card

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