CardAgent
Verified by CardAgent admin · last checked 08 Jul 2026
SBI Card

SBI IRCTC Premier Credit Card

34
Ranked #66 of 170 in credit
creditVisaMid-Travel-CobrandLegacy · discontinued

SBI's premium IRCTC co-branded card offering strong 10% value-back on train bookings and 8 railway lounge visits/year — recently devalued by the July 2025 removal of its complimentary air and rail accident insurance covers, previously a key differentiator.

Score breakdown

Data completeness: 95% · Last verified: 09 Jul 2026

Reward value21/100 · weight 71%
≈ 1.04% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +0.1% score bonus — earns broadly without narrow category restrictions.
Fee efficiency87/100 · weight 12%
Redemption flexibility75/100 · weight 9%
Perks26/100 · weight 9%

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
Waiver: Waived on annual spend of Rs2,00,000+
Forex markup
3.5%

Lounge access

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

Reward structure

CategoryTypeRateCapNotes
travelpoints2.50%(10 pts @ ₹0.25)—10% Value back as Reward Points on AC ticket purchases at IRCTC
railwaypoints10.00%(10 pts @ ₹1.00)—10% value-back on AC1/AC2/AC3/Executive Chair Car/Chair Car via IRCTC
diningpoints0.75%(3 pts @ ₹0.25)—3 Reward points per Rs 125 spent on Dining and standing instructions on Utility bills
dining_offlinepoints2.40%(2.4 pts @ ₹1.00)—3 pts/Rs125 on dining and utility bills
all_spendspoints0.80%(0.8 pts @ ₹1.00)—1 pt/Rs125 base rate other non-fuel purchases

Welcome offer

1,500 Reward Points (worth Rs1,500) on first annual fee payment

Milestone benefits

Pros

  • Strong 10% value-back on IRCTC train bookings (best-in-class for this use case)
  • direct 1:1 point redemption for IRCTC tickets
  • 8 railway lounge visits/year
  • easily achievable milestone thresholds (Rs50K/Rs1L)

Cons

  • DEVALUATION: complimentary Air Accident (Rs50L) and Rail Accident (Rs10L) insurance covers were REMOVED effective 26 July 2025 — a meaningful benefit loss for a travel-focused card
  • reward redemption carries a Rs99 fee per request

What's inside

More benefits

  • Railway lounge access

    ₹300

    8 complimentary railway lounge visits per year

    Cap ₹2,400 / yearly. None specified

Insurance cover

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₹NaN

Eligibility

text
Age 21-65; income ~Rs3L+ p.a. indicative

Small print

Fuel surcharge:1% waiver, Rs500-4,000 range, capped Rs250/statement cycle; also up to 1.8% railway booking transaction fee waiver