SBI IRCTC Premium 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 to get sbi credit card:

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

  Click here to know how to track sbi credit card application status online. Or you can click here to go directly to the sbi card application tracking page. 

 Sbi credit card documents required for application:

  • 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 (Income Tax Return)
    • Self-employed person
      • Latest Income tax return. 
      • Proof of business
      • Recent audited financial report. 

Irctc sbi premium card fees:

  • Joining Fee: Rs.1499 + GST
  • Annual Fee of the irctc card: Rs.1499 + GST

Every new credit card comes in an inactive state, in order to activate it, you need to generate your credit card PIN manually. You can visit our SBI credit card FAQ page to know how to generate sbi credit card pin.


Let’s check Sbi irctc credit card benefits 

  • Welcome benefit:

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

  • Irctc discount on sbi credit card:

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

You will get a 5% value back for purchasing air tickets.

  • Reward benefit:

You can earn exclusive reward points from the regular use of sbi credit card

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.

If you are thinking about how to redeem sbi credit card points, then here is the answer, you can use those reward points to make payments or you can then buy some products from the sbi credit card reward catalog.

  • Railway lounge access:

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

  • Travel benefit:

With this sbi credit card irctc ticket booking is always beneficial. 

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.

  • Sbi credit card benefits on fuel purchase:

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

  • Insurance coverage:

This irctc sbi premium card offers Rs. 10 lakh coverage for rail accidental death. 

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

  • Lost card liability coverage:

This card comes with fraud liability coverage of Rs. 1 lakh, to avail of the benefits of the coverage you have to report the loss as soon as possible. You can submit your sbi credit card frauds complaints by calling customer service. 

  • Milestone benefit:

The IRCTC SBI Platinum credit card milestone benefit scheme is discussed below. 

Total Spend 



Total Benefit


For traveling

In a year 

2500 reward points.


For traveling

In a year 

5000 reward points.

Rs. 2 lakh

Normal credit card transaction.

In a year 

The annual fee for the next year will be waived off.

  • Visa benefits:

With this sbi visa platinum credit card, you can save up to 10% and 35% on the rent of Hertz car and Avis Car rentals respectively. You can enjoy some exclusive offers on sbi credit card 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 irctc sbi rupay 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. You can control your domestic contactless usage for sbi credit card from your net banking account. 

  • 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. Click here to download the sbi add on credit card application form.

  • Flexipay:

By using flexipay you can convert any transection over Rs. 2500 into easy monthly installments. You can make your sbi credit card emi payment will be included in the monthly sbi credit card bill statement. Click here to know how to convert emi in sbi credit card.

  • Security: 

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

Sbi irctc credit card charges:


Payable amount

sbi credit card withdrawal charges

2.5% against the amount, min Rs. 500.

Finance Charge

The irctc sbi premium card interest rate is 3.35% monthly.

Foreign currency transaction

3.5% against the transacted amount.

sbi add on credit card charge


If you like to make your sbi credit card bill payment offline, then Click here to know how to make sbi credit card payment offline.

How to contact sbi credit card customer care?

You can call the sbi irctc credit card customer care number toll free number: 1860-180-1290 / 022-3902-0202 or 1860-180-7777

Or you can to the sbi credit card email id for 

If you want to know how to deactivate sbi credit card then feel free to visit our FAQ page

100xGain Ratings:


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 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 not, this card would not be that much beneficial for you. In this case, you can take a look at the alternative card options given below. 

Alternative Cards: 

  1. ICICI Bank Manchester United signature credit card. (Best for cashback and lounge access) 
  2. Indusind Bank Nexxt Credit card. (Best for lounge access and movie benefits) 
  3. RBL Titanium Delight Credit card. (Best for reward points and value back points) 
  4. air india sbi signature card. (Best for travel and lounge access) 

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