Last updated: |Data verified from official bank sources
Mid-Range
IRCTC SBI Card Premier
SBI Card
Best for: Frequent train travelers (AC class)
₹1K
Annual Fee
0.8%
Reward Rate
N/A
Forex Markup
None
Domestic Lounge
None
Intl Lounge
Best for: Frequent train travelers (AC class)
Things to Watch Out For
- •Peak season (Apr-Jul, Sep-Jan) only 4% value back
- •Rail/Air insurance discontinued Jul 2025
Fees & Charges
Joining Fee₹1K
Annual Fee₹1K
Fee WaiverSpend ₹2L annually
Rewards
TypePoints
Base Rate1 pt/₹125
Effective Return0.8%
Accelerated Categories
IRCTC AC Tickets (off-peak)10 pts/₹100 (10%)
IRCTC AC Tickets (peak)4 pts/₹100 (4%)
Lounge Access
DomesticNone
InternationalNone
Railway Lounge8/year at select stations
Eligibility
Minimum Income₹4.0L/year
Welcome Benefits
Benefit1500 points
Estimated Value₹2K
Available on: Visa, Mastercard
Frequently Asked Questions
What is the annual fee for IRCTC SBI Card Premier?▼
IRCTC SBI Card Premier has an annual fee of ₹1499. Spend ₹2L annually
What rewards does IRCTC SBI Card Premier offer?▼
IRCTC SBI Card Premier offers 1 pt/₹125 on all spends, with an effective value of 0.8%.
Does IRCTC SBI Card Premier have lounge access?▼
IRCTC SBI Card Premier does not include complimentary lounge access.
What is the minimum income required for IRCTC SBI Card Premier?▼
The minimum income requirement for IRCTC SBI Card Premier is ₹4.0 lakhs per annum.
Information sourced from SBI Card official website. Last verified: February 2026.
⚖️
Compare with Scapia Federal Credit Card
See a detailed side-by-side comparison
More Comparisons
More from SBI Card
View all →
Similar Cards
PM
PlasticMoney Research Team
Personal finance experts analyzing credit cards since 2023