SBI IRCTC Premier Credit Card Review

20.06.2025 03:44 PM - Comment(s)

SBI IRCTC Premier Credit Card

Financial Expert Advice

Choose Your First (or Next) Credit Card Wisely

"Limit yourself to holding two credit cards A/C—one for daily expenses and auto-debits, and another reserved for emergencies.

Avoid chasing cashback, miles, rewards or Investments, as this can distract from sound financial management;

and lead to unnecessary debt. Focus on stability & discipline."

SBI IRCTC Premier Credit Card Review
"Premier Rail Rewards"

Introduction

The SBI IRCTC Premier Credit Card is a co-branded credit card designed specifically for frequent railway travelers in India. It offers a range of benefits, including cashback on railway ticket bookings, complimentary lounge access, and insurance coverage. Here’s a detailed review to help you decide if this card is right for you.

Key Features and Benefits

Welcome Benefits

Get 1500 Reward Points equivalent to INR 1500 on payment of first annual fee (1 Reward Point=" ₹" 1).

Value Back Benefits

Buy tickets through irctc.co.in & IRCTC Mobile App for AC1, AC2, AC3, Executive Chair car and Chair Car and earn up to 10% Value Back as Reward Points.
5% back on Air ticket purchases on air.irctc.co.in.
5% back on E-catering purchases on ecatering.irctc.co.in.

Reward Structure

Earn 3 Reward Points per 125 spent on Dining and standing instructions on Utility spends
Earn 1 Reward Point per 125 spent on other non-fuel retail purchases

Milestone benefits

Earn 2,500 Reward Points on annual travel spends* of ₹50,000.
Earn 5,000 Reward Points on annual travel spends* of ₹1,00,000.
Spend Based Reversal of Annual Fee on spends of ₹2 Lakhs.

Lounge Access

Enjoy 8 complimentary railway lounge access in a year to participating lounges in India (Max 2 per quarter).
To avail the offer, please use your IRCTC SBI Card Premier at the respective lounges.

Fuel Surcharge Waiver

Get a 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000, up to ₹250 per statement cycle.

Annual Fee

₹1,499 + GST.

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Card Essential

Type	Reward Points
Welcome Benefits	₹1500 Reward Points for your first annual fee.
Annual Fee	₹1,499 + GST
Reward Structure	Rewards On SPENDS
Renewal Benefit	Spend ₹2 Lakh+ annually, get your renewal fee waived.

Rewards and Benefits Analysis

The card is ideal for frequent railway travelers, offering substantial rewards on AC class ticket bookings and complimentary lounge access. The milestone benefits provide additional value for high spenders, making it appealing for those who can meet the spending thresholds.

Practical Considerations

The SBI IRCTC Premier Credit Card excels in railway benefits, though rewards are limited for non-travel spends. Frequent travelers will find its rewards and benefits easily justify the card's value.

Redemption Options

Reward points can be redeemed directly on the IRCTC website or mobile app at a 1:1 ratio, providing flexibility for frequent travelers.

Ideal User Profile

This card is best suited for

Frequent railway travelers.
Those who regularly book AC class tickets.
Individuals looking for travel-related benefits and insurance coverage.

Final Thoughts

The SBI IRCTC Premier Credit Card offers a compelling package for frequent railway travelers, with its high reward rate on AC class bookings and complimentary lounge access. While it may not be ideal for non-travel spends, its value is maximized by those who regularly use Indian Railways.

Additional Tips for Potential Applicants

Eligibility: Ensure you meet the income and credit score requirements.
Usage: Maximize AC class ticket bookings to get the most out of the rewards.
Redemption: Opt for IRCTC bookings for the best redemption value.

This review provides a balanced view of the card's strengths and weaknesses, helping readers make informed decisions about whether the SBI IRCTC Premier Credit Card aligns with their

travel habits and financial goals.

! Disclaimer - We strive for accuracy, but this content is for informational purposes only. For the latest product details and offers, please check the official site directly.

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