Unverified draft. Fees, reward rates, and perks below are LLM-generated seed data pending admin verification. Cross-check on the bank's official page before relying on them.

#140 of 173 in credit

SBI Card

SBI IRCTC Premier Credit Card

creditVisaco-brandedProvisional score

Upgraded IRCTC travel card providing solid rewards on train bookings and lounge inclusion.

Score breakdown

Data completeness: 55% · Last verified: 06 Jul 2026

Reward value5/100 · weight 65%

≈ 0.23% effective on the standard basket (eligible spend only)

Wide-coverage rewards: +0.6% score bonus — earns broadly without narrow category restrictions.

Fee efficiency87/100 · weight 11%

Redemption flexibility75/100 · weight 8%

Perks26/100 · weight 8%

Devaluation risk70/100 · weight 8%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee: ₹1,499 + 18% GST
= ₹1,769 total
Annual fee: ₹1,499 + 18% GST
= ₹1,769 / year total
Forex markup: 3.5%

Lounge access

Domestic (per year): 8
International (per year): 0

Confirmed devaluation alerts

No confirmed devaluations tracked for this card. That doesn't mean none exist — see the neutral 70/100 devaluation-risk sub-score above.

Reward structure

Category	Type	Rate	Cap	Notes
travel	points	2.50%(10 pts @ ₹0.25)	—	10% Value back as Reward Points on AC ticket purchases at IRCTC
dining	points	0.75%(3 pts @ ₹0.25)	—	3 Reward points per Rs 125 spent on Dining and standing instructions on Utility bills