IRCTC SBI Card Premier

The IRCTC Credit Card, provided by the SBI Bank, offers many benefits, especially travel related ones. So, if you are a frequent traveler and if you are, as well, looking for a compatible credit card, this may be a good option. To know more about it, keep reading!

Features and Benefits

Welcome GiftBy paying the first annual fee, you get 1500 Reward Points equivalent to INR 1500.
Reward BenefitsEarn 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. 
Fuel Surcharge WaiverGet a 1% fuel surcharge waiver across all pumps in India, on transactions of Rs. 500 – Rs. 4,000, exclusive of GST and other charges.
Milestone benefitsEarn 2,500 Reward Points on annual travel spends* of Rs. 50,000,
Earn 5,000 Reward Points on annual travel spends* of Rs. 1,00,000.
Complimentary Insurance CoverComplimentary Rail Accident Insurance of INR 10 Lakhs,
Complimentary Air Accident insurance of INR 50 Lakhs,
Complimentary Fraud Liability cover of INR 1 Lakh.
Travel Offers from IRCTCSave 1% transaction charges on railway ticket bookings on 1.8% transaction charges on airline ticket bookings on
Railway Lounge ProgramEnjoy 8 complimentary railway lounge access in a year to participating lounges in India (Max 2 per quarter).
Value Back BenefitsGet 10% Value Back on AC1, AC2, AC3, AC CC as Reward Points for a ticket purchase on and IRCTC Mobile App (for Android only)
Visa PrivilegesSave up to 10% by renting your car with Hertz and up to 35% on Avis Car Rentals.

Features and Taxes

To apply for this card, consider the following charges:

Joining FeeRs. 1,499
Annual/ Renewal FeeRs. 1,499 (Reversed on spending Rs. 2 lakh in a year)
Finance Charges3.5% p.m. (42% p.a.)
Late Payment Fee**For Statement BalanceLess than Rs. 500: NilRs. 500 up to Rs. 1,000: Rs. 400Rs. 1,000 up to Rs. 10,000: Rs. 750Rs. 10,000 up to Rs. 25,000: Rs. 950Rs. 25,000 up to Rs. 50,000: Rs. 1,100Amount over Rs. 50,000: Rs. 1,300

Eligibility Criteria

To apply for this card, you must fill these criteria:

  • Age: you must be between the ages of 18 and 60 years,
  • Documents required: the documents required are
  1. Proof of Identity: PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID,

Overseas Citizen of India Card, Person of Indian Origin Card, Job card

issued by NREGA, Letters issued by the UIDAI,

  1. Proof of Address: Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account,
  1. Proof of Income: The latest one or 2 salary slips (not more than 3 months old), Latest Form 16, and the last 3 months’ bank statement.

Click here to apply!