IRCTC SBI Card Premier
SBI Card
Last verified: 23 Sept 2026
Reward Program
| Category | Earn Rate | Monthly Cap |
|---|---|---|
Rail tickets booked on the IRCTC app or website — AC1, AC2, AC3, Executive Chair Car and Chair Car | 10% | ₹750/monthly |
Air tickets on air.irctc.co.in and e-catering on ecatering.irctc.co.in | 5% | ₹750/monthly |
Dining, and utility bills paid by standing instruction | 2.4% | No cap |
| All other spends | 0.8% | No cap |
Redemption fee: 99
Managed via IRCTC Loyalty account, redeemed on the IRCTC website or Android app
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59 activeBenefits
Lounge Access
2 domestic visits/quarter
0 international visits/quarter
8 complimentary RAILWAY lounge accesses a year in India, subject to a quarterly maximum. These are railway station lounges, not airport lounges — a distinction the numeric fields cannot make.
Fuel Surcharge Waiver
1% fuel surcharge waiver at all petrol pumps in India. SBI states the benefit without publishing the transaction band or the cap on the captured pages.
Welcome Benefit
1,500 Reward Points worth ₹1,500
Credited on payment of the first annual fee, within 45 days of the eligible transaction.
Reward Calculator
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What this card is worth
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Fees & Charges
| Joining Fee | ₹1,499/yr |
| Renewal Fee | ₹1,499/yr |
| Forex Markup | 3.5% |
| Interest Rate | 45% p.a. |
| Cash Advance Fee | 2.5% of the transaction amount, subject to a minimum of ₹500, at domestic and international ATMs. |
| Reward Redemption Fee | 99 |
