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Apply now for IRCTC SBI Card Premier

Go for the IRCTC SBI Card Premier and enjoy special privileges A few details to start with

    • Annual Fee (one-time): Rs.1499 + Taxes
    • Renewal Fee (per annum): Rs.1499

Privileges on IRCTC SBI Card Premier

Get exclusive benefits on your IRCTC SBI Card Premier

Welcome Gift on IRCTC SBI Credit Card Premier

Welcome Gift

  • Get 1500 Reward Points equivalent to INR 1500 on payment of first annual fee (1 Reward Point= ₹ 1)
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Welcome Gift

  • Bonus Reward Points will be credited to the IRCTC SBI Premier Card account within 45 days of eligible transaction
  • Link your IRCTC SBI Card loyalty number with your IRCTC login id to redeem your reward points on IRCTC Website and Mobile App (Android only)
  • Please click here for FAQ’s.
Value Back Benefits on IRCTC SBI Credit Card Premier

Value Back Benefits

  • 10% Value Back on AC1, AC2, AC3, AC CC as Reward Points for your ticket purchase on and IRCTC Mobile App (for Android only)
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Value Back Benefits

  • 5% back on Air ticket purchases on
  • 5% back on E-catering purchases on
  • W.e.f. 01 Apr'21, Reward Points will be transferred to cardholder’s IRCTC Loyalty A/c and can be redeemed at IRCTC Website or Mobile App (android only)
Milestone Benefits on IRCTC SBI Credit Card Premier

Reward Benefits

  • Earn 3 Reward Points per 125 spent on Dining and standing instructions on Utility spends
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Reward Benefits

  • Earn 1 Reward Point per 125 spent on other retail purchases (Non fuel) including railway ticket purchases at and IRCTC Mobile App (Android only)
  • New AutoPay registrations on SBI Card platforms (Website / Mobile App / Helpline) has been disabled w.e.f. 01 Apr 2021. However, Standing Instruction (SI) Trxns. pertaining to Autopay registration/s made on your IRCTC SBI Card Premier on, or before 31 Mar 2021 will continue to be processed.
Milestone Benefits on IRCTC SBI Credit Card Premier

Milestone benefits

  • Earn 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
  • Spend Based Reversal of Annual Fee on spends of Rs. 2 Lakhs
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Milestone benefits

  • Reward Points will be credited within 15 days of achieving spends.
Complimentary Insurance Cover on IRCTC SBI Credit Card Premier

Complimentary Insurance Cover

  • Complimentary 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 IRCTC on IRCTC SBI Credit Card Premier

Travel Offers from IRCTC

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Travel Offers from IRCTC

  • Book your airline tickets with IRCTC at unbeatable prices
  • Get wide range of tailor made packages ranging from adventure, wildlife, pilgrimage and leisure tours to various places in India
  • Avail accommodation at over 5,000 hotels, covering 350 cities in India
Fuel Surcharge Waiver on IRCTC SBI Credit Card Premier

Fuel Surcharge Waiver

  • Enjoy freedom from paying the 1% fuel surcharge across all petrol pumps in India, on transactions of Rs. 500 - Rs. 4,000, exclusive of GST and other charges
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Fuel Surcharge Waiver

  • Get maximum surcharge waiver of Rs. 250 per statement cycle per credit card account
Railway Lounge Program on IRCTC SBI Card Premier

Railway Lounge Program

  • 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
Learn more

Railway Lounge Program

  • Complimentary access to railway lounges will be applicable only for primary cardholders
  • Click here for FAQs on railway lounges

Know everything about IRCTC SBI Card Premier

Your IRCTC SBI Card Premier now comes with a range of features

  • Transaction Charges Waiver

      • You save 1% transaction charges, exclusive of GST and all other charges, when you book railway tickets on, using your IRCTC SBI Card Premier
      • You save 1.8% transaction charges, exclusive of GST and all other charges, when you book air tickets on, using your IRCTC SBI Card Premier
      • In case you decide to cancel any railway ticket booked using your IRCTC SBI Premier Card online on, a charge of 1% of the total refund amount will be debited to your card
  • Visa Privileges

      • Savings of up to 10% on Hertz car rental and up to 35% on Avis Car Rentals
      • Exclusive benefits across 900 luxury hotels worldwide
      • Earn up to 10,000 miles per night on hotel stay plus 25% extra miles on
      • For more details about Visa Signature privileges, click here
  • Contactless Advantage

      • Daily purchases now made easy with IRCTC SBI Platinum Card. Simply wave your card at a secure reader and your transaction is done. It’s fast, easy and incredibly convenient.
      • Fast & Convenient: No need to hand over your card or look for cash /coins for everyday small ticket purchases. Simply wave your card & go. It’s as fast & convenient as that.
      • Security: During a transaction the card never leaves your hand; significantly reducing the risk of card loss and fraud due to counterfeit (skimming). Even if the card is waved multiple times at the reader, the unique security key feature of Visa payWave will ensure that only one transaction goes through, thus making it more secure.
      • Please Click here to download the FAQ’s.
      • Please Click here to download list of merchants
  • Fraud Liability Cover

      • Get complimentary credit card fraud liability cover of Rs. 1 lakh
      • This cover is liable from the period of 48 hours prior to reporting of loss till 7 days post reporting of loss. Please call SBI Card helpline to report card loss: Dial 39 02 02 02 (prefix local STD code) or 1860 180 1295
  • Easy Bill Pay Facility

      • Pay your electricity, telephone, mobile and other utility bills using the Easy Bill Pay facility on your IRCTC SBI Card Premier Card
      • Click here to know more
  • Global Acceptance

      • IRCTC SBI Card Premier is accepted in over 24 million outlets across the globe, including 3,25,000 outlets in India
  • Safe and Secure

      • Get enhanced security against counterfeiting and skimming with the chip and pin enabled IRCTC SBI Card Premier
  • Overseas Accident Insurance

      • Get complimentary Overseas Accident cover of Rs. 50 lakh
  • Emergency Card Replacement

      • Get your IRCTC SBI Card Premier replaced anywhere in the world
      • 24x7 helpline for emergency card replacement even while travelling abroad. Click here for Visa helpline numbers
      • In case your card is lost in India, please call Dial 39 02 02 02 (prefix local STD code) or 1860 180 1295
  • Add-on Cards

      • With IRCTC SBI Card Premier, you can empower your family with add-on cards for your parents, spouse, children or siblings above the age of 18
      • Cash Access Across the World
      • Withdraw cash from over 1 million Visa across the globe
  • Flexipay

      • With Flexipay, convert your transactions in in easy monthly installments. Just transact for Rs. 2,500 or more and log on to within 30 days of purchase to convert it into Flexipay
      • Click here to know more
  • Easy Money Facility

      • Easy Money lets you avail money just when you need it and get the cheque or draft delivered at your doorstep
      • Log in with your username and password to to book Easy Money
  • Railway Ticket Booking

      • Use your IRCTC SBI Platinum Card to book railway tickets online and get them delivered at your doorstep
      • Go to and follow the below steps:
      • Register free of cost
      • Log in with your user name and password
      • Follow instructions on the website to make your reservations
      • Make payments through your SBI Card at the payment gateways that accept a Visa Card

      All transactions on are governed by the terms and conditions of

  • Fees

      • Annual Fee (one-time): Rs. 1499 + GST
      • Renewal Fee (per annum): Rs. 1499 + GST
      • Add-on Fee (per annum): Nil
  • Order of Payment Settlement

      All payments made for a cardholder account will be settled in the order of Minimum Amount Due (which is inclusive of all applicable taxes + EMI on EMI based products + 5% of Total Outstanding), Fees & Other Charges, and Interest charges, Balance Transfer Outstanding, Purchase Outstanding and Cash Advance.

  • Balance Transfer on EMI

      • Save money while paying your credit card dues
      • Transfer the outstanding balance of other banks’ credit cards to your IRCTC SBI Card Premier, to avail a lower rate of interest and pay back in EMIs
      • Log on to with your user ID and password to take benefit of this service
  • Things to know

      • Cheques payable outside clearing the zones are not accepted. We accept payment through local cheques or drafts payable in Delhi only.
      • All taxes would be charged as applicable on all the above Fees, Interest & Charges.

      Your continued use of the card will be deemed acceptance of these amendments.

      For assistance, please call SBI Card helpline at:

      From BSNL/MTNL numbers    1800 180 1295

      From all other numbers     39 02 12 12
      Prefix your STD code if you use your mobile phone.

      All information in this communication is correct as per September 2019 and is subject to change at the discretion of SBICPSL. SBI Card most important terms and conditions are also available at

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