IRCTC SBI Premier
Frequent rail travelers, 10% IRCTC train ticket value back.
External link to SBI Card’s own application page.
The IRCTC SBI Premier costs ₹1,499 a year, waived at ₹2,00,000 annual spend. It earns 10% on travel and 1% on everything else. Forex markup is 3.5%. These figures are from our catalog and have not yet been re-verified against the issuer.
5-year value calculator
How much IRCTC SBI Premier actually pays you over time, net of annual fees.
Includes 40% in this card's boost category, 60% general spend.
Estimates use the card's published rates and a 40/60 boost-vs-general split. Real returns vary with how tightly your spend matches each card's boost categories.
What does the IRCTC SBI Premier earn?
What you earn back, by category.
1,500 IRCTC reward points
What do you get with the IRCTC SBI Premier?
- 10% rewards on IRCTC train ticket bookings
- 4 reward points per ₹125 on dining + groceries
- Up to 5% railway lounge access discount
- 8 complimentary domestic airport lounge visits/year
- 3.5% forex markup (offered on both Visa and RuPay networks)
Who qualifies for the IRCTC SBI Premier?
These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.
IRCTC SBI Premier FAQ
›What is the IRCTC SBI Premier annual fee?
The annual fee is ₹1,499. It is waived if you spend ₹2,00,000 in a year.
›What does the IRCTC SBI Premier earn?
It earns 10% on travel and 1% on everything else.
›What is the IRCTC SBI Premier forex markup?
The IRCTC SBI Premier charges 3.5% forex markup on foreign-currency spends.
›What income do you need for the IRCTC SBI Premier?
The stated minimum income is ₹3,60,000 a year. Banks treat this as a guideline, not a hard cutoff.
›What is the IRCTC SBI Premier welcome bonus?
1,500 IRCTC reward points.
›Are these IRCTC SBI Premier figures verified?
These figures are from our catalog and have not yet been re-verified against the issuer.
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