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The IRCTC SBI Card Premier, also referred to as the SBI IRCTC Premier credit card, is a co-branded travel card issued by SBI Cards and Payment Services Limited in partnership with IRCTC. It belongs to the SBI IRCTC credit card family and brings sharp value to every train booking. Here’s what makes this SBI Premier credit card stand out:
A credit card EMI calculator helps you plan large purchases by breaking down the total cost into manageable monthly payments. You enter the purchase amount, the interest rate, and your preferred repayment tenure. The tool instantly displays the monthly EMI, total interest payable, and the overall amount you’ll pay. It’s a practical way to compare different repayment timelines and choose one that fits your monthly budget without any guesswork. Use the Credit Card EMI Calculator before you buy to stay in control of your spending.
The SBI IRCTC Premier credit card benefits are built around earning, protection, and travel convenience. This IRCTC SBI Premier credit card turns your routine spends into tangible savings, especially on AC class ticket bookings. Below is the full breakdown of the SBI Premier IRCTC credit card features.
Pay the first‑year fee and 1,500 reward points (equal to ₹1,500) are credited within 45 days. Spend ₹2,000 within 60 days of card issuance and you also receive a ₹500 BookMyShow movie voucher, a straightforward way to start using the SBI IRCTC Premier Card.
Earn up to 10% value back as reward points on AC1, AC2, AC3, and CC class tickets booked via irctc.co.in and the IRCTC mobile app (seasonal rates apply: 10% from Jan 15–Mar 31 and Jul 15–Sep 15, and 4% rest of the year). Earn 5 points per ₹100 on air tickets and e-catering, 3 points per ₹125 on dining and utility standing instructions, and 1 point per ₹125 on other non-fuel retail spends (1 point = ₹1).
Reaching ₹50,000 in travel spends in an anniversary year unlocks 2,500 bonus reward points. Reaching ₹1 lakh unlocks a further 5,000 points. Spend ₹2 lakh overall, and the renewal fee is reversed, rewarding consistent use of the SBI IRCTC Premier Credit Card.
Cardholders get 8 complimentary railway lounge visits per year (capped at 2 per quarter). Hotel partnerships covering 5,000+ properties in India and 900+ globally offer special rates, letting you earn up to 10,000 miles per night on select stays.
Includes a complimentary fraud liability cover with no separate enrolment needed, 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000 (capped at ₹250 per cycle), free add‑on family cards, and global ATM access.
The online application for the IRCTC SBI Card Premier is quick and straightforward.
Submit your details online for verification. You can also compare features with the IRCTC SBI Platinum card apply online process before finalizing your railway card.
Card activation can be completed via the SBI Card website, the SBI Card mobile app, or the SBI Card helpline. Once active, the card starts earning reward points on train bookings and all eligible spends.
