IRCTC SBI Card Premier

SBI Card · Open to apply

IRCTC's co-brand card: 10 reward points per ₹100 on AC rail tickets booked at irctc.co.in (each point is ₹1 on IRCTC), 3 points per ₹125 on dining, 1 point per ₹125 elsewhere except fuel, a ₹1,499 fee that is reversed on ₹2 lakh of spends, and eight railway lounge visits a year.

Annual fee
₹1,499 + GST a year
Joining fee
₹1,499 + GST
Fee waiver
Annual fee waived on ₹2,00,000 spend per card year
Base rate
1 point per ₹125 on other non-fuel retail spends: 1 IRCTC SBI Card Reward Points per ₹125 (about 0.8% at cash value)
Lounges
Railway: 8 visits a calendar year
Forex markup
3.5%
Data
From bank documents, checked 6 Nov 2026

Main earn rates

  • 10 points per ₹100 (10% back) on AC rail tickets booked at irctc.co.in and the IRCTC app: 10% in IRCTC SBI Card Reward Points (about 10% at cash value)
  • 3 points per ₹125 on dining: 3 IRCTC SBI Card Reward Points per ₹125 (about 2.4% at cash value)

Earns nothing on

  • No points at petrol pumps and service stations (MCCs 5172, 5541, 5542, 5983)
  • No points on wallet loads (MCCs 6540, 6541)
  • No points on cash advances, encash and balance transfers
  • No points on Flexipay and Merchant EMI
  • No points on rent (MCCs 6513, 7349)
  • No points on government-related transactions (MCCs 9399, 9311)

Where the sources disagree

  • Rail rate per ₹100: The T&C's rewards clause says "10 SBI Card Travel Reward Points will be given for every ₹125" (8%); its FAQ, the product page and the loyalty note say 10% value back, 10 points per ₹100. We use 10 per ₹100.
  • Seasonal rail rate chart: The Aug 2024 loyalty note (s7) shows 4 points per ₹100 on travel dates in most of the year and 10 in two windows, as the Platinum card's T&C does. The Premier's own booklet (clause 11 and FAQ 8), written after it (26 Dec 2024 changes), and its page give a flat 10% value back with no windows. We use the Premier's own documents. The booklet also still says no points on tickets booked through a mobile phone, which contradicts "IRCTC app and website" in the same clause; we follow the page and the clause.
  • Air and e-catering rate: The product page says 5% back on air tickets and e-catering; the T&C says 5 points per ₹125 (4%). Not entered; see not modelled.
  • Air accident cover: The T&C booklet still describes the ₹50 lakh air accident cover, but the notice says it is discontinued from 26 Jul 2025 and the booklet itself says the rail accident cover is discontinued from that date. We treat the notice as current.

Terms the calculator does not value

  • The 10% rail rate needs the booking at irctc.co.in or the IRCTC app with the card's 11-digit loyalty number linked to the IRCTC login, the cardholder on the ticket, and an AC class; it applies to the base fare only, not reservation, superfast or other charges. The calculator cannot tell classes or charges apart.
  • 5 points per ₹125 on air tickets at www.air.irctc.co.in (capped at 750 points a monthly statement cycle) and on e-catering at www.ecatering.irctc.in; the product page calls this "5% back". It shares our IRCTC merchant with rail and is not entered.
  • 3 points per ₹125 on utility bills paid by standing instruction; a payment mode the calculator has no route for.
  • Points are worth ₹1 only on IRCTC railway tickets in AC classes; the T&C names no other way to spend them.

Sources

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