SBI IRCTC Premier Credit Card Review

If you travel regularly with Indian railways, then you will find the sbi irctc premier credit card quite helpful. It is a multipurpose credit card that is designed to make your train journey more comfortable. The benefits offered by this card include assured sbi card rewards with every transaction, free access to railway lounges, handsome monthly waivers on fuel surcharges, and lots more. You can find more about the sbi irctc credit card benefits from the details given below.

What is the required eligibility to get sbi credit card?

  • Resident Type: Indian. 
  • SBI credit card eligibility criteria for salaried person:
    • Age: 21 to 60 yrs. 
    • Income: Rs. 25,000 monthly. 
  • SBI credit card eligibility criteria for self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: Income tax return should be higher than Rs. 3 lakh annually. 
  • A CIBIL score of 680 is required to apply for this sbi irctc premier card.

You can apply for this irctc card from the online sbi card application page. If you want to know more about the sbi credit card application process, then make sure to take a look at our faq page.

What documents are required to apply for the sbi irctc card?

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

As per the new credit card rules, all new SBI premier credit cards are delivered in an inactive state. So, if you want to know the new sbi credit card activation process, then feel free to take a look at our faq page.

What are the irctc premier sbi card fees?

  • SBI irctc premier card joining fee: Rs. 1499 + GST
  • SBI irctc premier credit card annual fee: Rs. 1499 + GST

What are the sbi irctc premier credit card benefits?

  • Get started with a huge joining bonus:

As you activate your irctc sbi card premier card for the first time and Pay your first-year joining fee, you will receive 350 bonus SBI credit card reward points.

  • Make your transactions more rewarding:

Your every transaction made using this card will earn you assured sbi irctc card reward points.

Category of transactions

SBI credit card points for every Rs.125 transaction 

Dining, standing instructions, and utilities.

3 sbi credit card reward points

Regular credit card transactions (excluding fuel)

1 sbi card reward point

Now you might be thinking, ‘how to redeem sbi credit card points?’ The process is very simple, you can redeem them from the sbi credit card reward catalog. 

  • Experience attractive irctc discount on sbi credit card:

With this sbi irctc premium card you can earn some attractive travel benefits, the details are mentioned below.

Category of transaction


IRCTC ticket booking (AC1, AC2, AC3, and AC CC) via the irctc official mobile app.

10% value back (as sbi card rewards)

Air ticket booking via irctc website 

5% value back + 1% waiver on convenience fee

E catering services

5% value back + 1.8% waiver on convenience fee

  • Add comfort to your travel:

This irctc sbi card offers up to 8 free yearly access (2 per quarter) at most of the leading railway lounges in India.

  • Get freedom from sbi credit card fuel surcharges:

This irctc card offers a 1% waiver on fuel surcharges across all fuel stations in India. The transaction amount should be between Rs.500 to Rs.3,000. You can earn up to Rs.2500 waiver in a sbi card statement cycle.

  • Complimentary sbi credit card insurance coverage:

This irctc sbi premium card insurance benefits are offered like this.


Total coverage amount

Rail accident coverage

10 lakh

Air accident coverage

50 lakh

Fraud liability coverage

1 lakh

  • Get an opportunity to earn something extra:

Depending on your credit card usage you can earn some bonus rewards from your irctc sbi card.

Annual card usage 


Total Benefits


Travel expenses

2500 irctc reward points

Rs.1 lakh

Travel expenses

5000 sbi credit card rewards

Rs. 2 lakh

Regular credit card transaction

A complete waiver on next year’s irctc sbi card annual fee

  • Experience exclusive privileges from Visa:

The Visa offers on sbi credit card are mentioned below.



Car rental

10% discount on Hertz car rental and 35% savings on Avis car rental

Hotel booking

10,000 miles per night in hotel booking + extra 25% miles if booked via 

Click here for detailed SBI credit card terms and conditions.

  • Enjoy the sbi credit card flexipay emi facility:

Using the sbi credit card flexipay feature, you can convert your high-value credit card transactions (over Rs.2500) into small monthly installments. Click here if you want to know how to convert emi in sbi credit card.

  • Instant sbi credit card bill payment options:

You can make your sbi irctc card payment online from your sbi card netbanking account or by using any credit card bill payment app like Cred, Paytm, PhonePe, Google Pe, etc. Also if you don’t want to go online, then click here to know how to make sbi credit card payment offline. 

What are the sbi irctc credit card charges?


Payable amount

SBI credit card withdrawal charges

2.5% against the amount, min Rs. 500 (check your credit card cash withdrawal limit before making a withdrawal)

SBI irctc credit card finance Charge

The irctc credit card interest rate is 3.35% monthly (applicable if your sbi credit card bill is not paid in time)

SBI credit card international transaction charge

3.5% against the transacted amount

SBI add-on credit card charge


How to contact sbi credit card customer care department?

  • Call the sbi credit card customer service number: 1860-180-1290 / 022-3902-0202 or 1860-180-7777
  • Write to the sbi credit card customer care email id: 

100xGain Ratings:


Pros and cons of the irctc sbi card:



  • The reward earning rate on this sbi bank card is quite good.
  • You can enjoy free access to railway lounges. 
  • This irctc credit card offers some attractive deals on IRCTC ticket booking.
  • There are no dining or entertainment benefits on this sbi irctc card

Final Opinion:

If you want a low-cost sbi travel credit card, and if you travel frequently with IRCTC, then this card will be the best sbi card for you. It lets you enjoy Cash-Back on railway ticket booking, reward points on daily expenses, railway lounge access, and lots of other useful credit card features. So if you are a regular traveler of IRCTC then this is a must-have credit card for you. 

But if not, this irctc sbi card would not be that much beneficial for you. In this case, you can take a look at our best travel credit cards page. There is also a low-cost variant of this card available named irctc sbi platinum card, you can also take a look at that.

Alternative cards of the irctc premium card: 

  1. ICICI Bank Manchester United signature credit card (Best for cashback and lounge access) 
  2. Indusind Bank Nexxt Credit card (Best for lounge and movie benefits) 
  3. RBL Titanium Delight Credit card (Best for offering reward points) 
  4. Air India SBI Signature Card (Best for travel and lounge benefits) 

2 thoughts on “SBI IRCTC Premier Credit Card Review”

Leave a Reply

Share via
Copy link
Powered by Social Snap
%d bloggers like this: