IRCTC SBI Card Premier: Features, Benefits, Fees & Charges

Bio

Sandipan Mitra is the CEO and co-founder of Pice. He boasts eight years of experience in the B2B and fintech sector. Sandipan's journey includes significant roles at multiple Indian Unicorns Including Product at PayU, and as founding member / VP, Product at Open Financial Technologies.

24 Dec 25
4 mins

Sandipan Mitra

08 Mins
24-12-25

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Table of Contents

IRCTC SBI Card Premier Benefits
Fees and Charges of the IRCTC SBI Card Premier
How to Get the Most out of IRCTC SBI Card Premier?
Things to Remember While Using the IRCTC SBI Card Premier

Save up to 1.8% on transaction charges when booking tickets via IRCTC.
Get 5% value back on IRCTC air tickets and e-catering purchases.
Enjoy up to 8 complimentary railway lounge visits in a year.

The IRCTC SBI card premier is a co-branded card that offers reward points for various types of spending and accelerated rewards on travel expenses.

The card offers up to 1.8% savings on transaction charges for railway ticket bookings. You can use these reward points to buy train and plane tickets from IRCTC for free.

If you are a frequent domestic traveller, this might be the best card for you. Read more for complete details.

IRCTC SBI Card Premier Benefits

Welcome Bonus

Get 1,500 reward points on paying your first annual fee as a welcome bonus.

Rewards Program

Enjoy 3 reward points for every multiple of ₹125 you spend on dining and specific utility spends.
Get 1 reward point for every ₹125 you spend on other non-fuel retail purchases.

Travel Offers from IRCTC

Save 1% on the transaction fee every time you book a railway ticket on IRCTC.
Save 1.8% on transaction charges every time you book a flight on IRCTC.

Value Back Rewards

Get 5% value back on both air ticket bookings and e-catering purchases from IRCTC.

Note: To get these value back benefits, you must buy tickets through the IRCTC official website or app for AC1, AC2, AC3, Executive Chair Car and Chair Car seats only.

Milestone Benefits

Get your annual fee reversed back to you as a refund on annual spends of ₹2 lakh in a membership year.
Enjoy 2,500 bonus reward points on spending ₹50,000 on travel spends in a membership year.
Earn an additional 5,000 bonus reward points on annual travel spends of ₹1,00,000 in a membership year.

Note: The spends count only for travel spends. Click here to get the list of items that count as ‘travel spends’.

Complementary Lounge Access

Enjoy 8 complimentary railway lounge accesses in a membership year.

Waiver on Fuel Surcharge

Get 1% waiver on the surcharge for buying fuel worth between ₹500 and ₹4,000.

Fees and Charges of the IRCTC SBI Card Premier

Charges	Amount and Conditions
Joining / Renewal Fee	₹1,499 + GST (renewal fee is reversible)
Cash Withdrawal Fee	2.5% of the transaction amount or ₹500, whichever is higher
Over Limit Fee	2.5% of the overlimit amount or ₹600, whichever is higher
Utility Payment Fee	1% on total utility bills, provided that the total utility bill exceeded ₹50,000
Forex Fee for International Purchases	3.5% of the transaction amount
Interest on Crossing Due Date	Up to 3.75% per month (45% p.a)
Late Payment Fee	₹0 to ₹1,300, depending on the amount due

Crossing a payment date can cause multiple financial repercussions, along with a severe loss of credibility. Never miss a payment date with the Pice App!

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How to Get the Most out of IRCTC SBI Card Premier?

The IRCTC SBI Card Premier offers a lot of earning opportunities. However, the redemption is limited only to flight and train bookings on IRCTC.

Hence, this can be an ideal option for frequent domestic travellers.

Go through the following pointers to get maximum value from this card:

Use the card for Indian Railways bookings or flights booked via IRCTC Air.
Pay for travel-related expenses such as car rentals and travel agents using the card.
Paying for group or family travel can help you reach the ideal annual travel spend.

If you can do these things without pushing your finances, this card can allow you to get free train/plane tickets for you and your family. You can also earn up to 10% value back on booking tickets and enjoy regular discounts on transaction charges.

Things to Remember While Using the IRCTC SBI Card Premier

Reward points can be redeemed only on the IRCTC website or mobile app and your loyalty number must be linked to your IRCTC login ID.
Keep your loyalty account status active to ensure smooth and timely transfer of reward points.
Bonus milestone reward points are applicable only on eligible travel spends.

Footnotes:

Gain up to 9,000 bonus reward points on this card.
Save up to ₹250 on fuel in a statement cycle.

FAQs

Can I transfer the reward points earned on my IRCTC SBI Card Premier?

Reward points on the IRCTC SBI Card Premier are not transferable and you cannot combine them with your reward points accumulated on your SBI card account.

What is the value of 1 reward point on the IRCTC SBI Card Premier?

1 reward point on this card is worth ₹1 when you redeem it to purchase tickets through IRCTC.

How to book train tickets with my reward points?

To book tickets with your reward points, log in to the IRCTC website with the same credentials that you provided to link with your loyalty number. After this, you can simply book your tickets and redeem reward points to buy confirmed tickets for free.