Unlock Premium Travel with IRCTC SBI Card Premier

Overview of the IRCTC SBI Card Premier

The IRCTC SBI Card Premier is a co-branded credit card that offers exclusive benefits and privileges to frequent railway travellers. This card is issued by the State Bank of India (SBI) in partnership with the Indian Railway Catering and Tourism Corporation (IRCTC). Here are some key points about the card:

The card comes with a joining fee and an annual renewal fee of Rs. 1,499 each, which can be waived if the cardholder spends a minimum of Rs. 2 lakhs in the anniversary year.
This card is best suited for travellers, especially those who frequently book railway tickets and use other travel-related services.
The IRCTC SBI Card Premier is accepted at over 29 million outlets globally, including 3.25 lakh outlets in India, and features contactless technology for convenient transactions.

Benefits & Features of the IRCTC SBI Card Premier

Welcome Benefits

Upon paying the first annual fee, cardholders receive a welcome bonus of 1,500 reward points, which is equivalent to Rs. 1,500. These points are credited to the card account within 45 days of qualified transactions.

Other Benefits

Reward Points:
- Cardholders earn 1 reward point for every Rs. 125 spent on retail transactions.
- They earn 3 reward points for every Rs. 125 spent on dining and utility bills.
- 1 reward point is equal to ₹1.
Milestone Benefits:
- Cardholders receive 2,500 bonus reward points on achieving a total travel spend of Rs. 50,000 in the previous year.
- They receive 5,000 bonus reward points if they achieve spending of Rs. 1 lakh in the anniversary year.
Travel Benefits:
- Complimentary railway lounge access: Cardholders get 8 free access passes to railway lounges per year, with a maximum of 2 passes per quarter.
- Savings on Ticket Bookings: Cardholders can enjoy value back on their ticket bookings made through IRCTC, although specific percentages may vary based on terms and conditions.
- Hotel Benefits: Exclusive benefits at over 5,000 hotels in India and more than 900 hotels globally. Cardholders can also earn up to 10,000 miles per night on hotel stays through certain partnerships.
Fuel Benefits:
- Cardholders can enjoy a 1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 4,000, up to a maximum of Rs. 250 per statement cycle.
Insurance Benefits:
- The card offers insurance coverage against air accidents, railway accidents, and a fraud liability cover.
Additional Features:
- Extended Credit Facility: Cardholders can plan their payments against outstanding balances with flexible payment options.
- Add-on Cards: The primary cardholder can apply for add-on cards for family members.
- Cash Withdrawal: Access to cash from over 1 million Visa ATMs globally, including 18,000 ATMs in India.
- Bill Payment Facility: Automatic bill payment options are available for convenience.

Key Highlights of the IRCTC SBI Card Premier

Welcome Benefits: Enjoy 1,500 bonus reward points worth Rs. 1,500 upon payment of the first annual fee, credited within 45 days of the eligible transaction. Additionally, get a Rs. 500 movie voucher from BookMyShow on spending Rs. 2,000 within the first 60 days of card issuance.
Reward Points: Earn an impressive 10% value back as reward points on AC1, AC2, AC3, and CC class ticket purchases via co.in. Get 5 reward points per Rs. 100 spent on booking air tickets through air.irctc.co.in and on E-catering purchases via ecatering.irctc.co.in. Earn 3 reward points per Rs. 125 on dining and utility spends, and 1 reward point per Rs. 125 on other non-fuel retail purchases.
Milestone Benefits: Achieve milestone benefits by earning 2,500 bonus reward points on annual travel spends of Rs. 50,000, and 5,000 bonus reward points on annual travel spends of Rs. 1,00,000. Enjoy an annual fee reversal on spending Rs. 2 lakhs annually.
Travel Benefits: Avail 8 complimentary railway lounge accesses per year, with a maximum of 2 visits per quarter at select railway stations including New Delhi, Jaipur, Agra, Ahmedabad, and Kolkata. Enjoy exclusive benefits at over 5,000 hotels in India and 900 hotels globally.
Insurance Coverage: Stay protected with insurance coverage of Rs. 10 lakhs in case of a rail accident, Rs. 50 lakhs for air accidents, and a fraud liability cover of Rs. 1 lakh.
Fuel Surcharge Waiver: Benefit from a 1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 4,000, up to Rs. 250 per statement cycle.
Contactless Payment: Experience the convenience of contactless payments without the need for an OTP or PIN.

Fees and Charges of the IRCTC SBI Card Premier

Types of Fees	Amount (In ₹)
Joining Fee	1,499 + GST
Renewal Fee	1,499 + GST (waived on spends of Rs. 2 lakhs annually)
Add-on Fee	NIL
Finance Charges	3.35% per month (40.2% per annum)
Cash Advance Fee	2.5% of the transaction, a minimum of 300
Payment Dishonour Fee	2% of the payment amount (minimum 450)
Statement Retrieval Fee	100 per statement more than 2 months old
Overlimit Fee	2.5% of over limit (minimum 500)
Late Payment Charges	Varies based on the outstanding balance
Card Replacement	100-250
Rewards Redemption Fee	99
Foreign Currency Transaction Fee	3%

Eligibility of the IRCTC SBI Card Premier

Applicants must be at least 21 years of age.
Applicants should have a minimum annual income of Rs. 3 lakhs for salaried individuals and Rs. 4 lakhs for self-employed individuals.
Applicants must have a good credit history and a CIBIL score of 750 or above.
Applicants should be Indian residents.
Applicants must provide all necessary documents, including proof of identity, proof of address, and income proof, as required by SBI Card.

Card Activation Process

To activate your IRCTC SBI Card Premier, you can choose from three convenient methods:

Online Activation:
- Log in to your SBI Card account on the official SBI Card website or through the SBI Card mobile app.
- Navigate to the "Card Activation" section.
- Enter the required details, including your card number and other verification information.
- Follow the prompts to complete the activation process.
Phone Activation:
- Call the SBI Card Helpline at the number provided on the back of your card or found on the SBI Card website.
- Provide the necessary verification details to the customer service representative.
- Follow their instructions to activate your card.
ATM Activation:
- Insert your card into an ATM.
- Select the "Card Activation" option from the menu.
- Follow the on-screen instructions to complete the activation process.

Once your card is activated, you can start using it to earn valuable reward points on your purchases.

How to Redeem the Points

The IRCTC SBI Card Premier offers a rewarding experience for cardholders, allowing you to earn and redeem points efficiently:

Reward Points Earning:
- Earn reward points based on your spending: 1 reward point for every Rs. 125 spent on other non-fuel purchases, and 3 reward points for every Rs. 125 spent on dining and utility bills.
Redemption Process:
- Log in to the SBI Rewardz website or mobile app, where you can redeem your reward points.
- Choose from various redemption categories such as shopping, gifts, vouchers, merchandise, and more.
Value of Reward Points:
- Each reward point is equivalent to Re. 1, making it straightforward to calculate the value of your points.
Redemption Fee:
- A redemption fee of Rs. 99 per redemption request applies.
IRCTC Website Redemption:
- You can also redeem your reward points directly on the IRCTC website or mobile app after linking your IRCTC SBI Card loyalty number to your IRCTC user account.

By following these simple steps, you can make the most out of your IRCTC SBI Card Premier and enjoy the benefits of redeeming your hard-earned reward points.

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