IRCTC SBI Card
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SBI Card and IRCTC have collaborated to develop a co-branded credit card, the IRCTC SBI Card Premier. This card is one level higher than the previously launched IRCTC SBI Platinum Credit Card and offers a higher level of privileges.
It is one of the few cards on the market that is intended to provide benefits for train travel. With this credit card, you can get free railway lounge access, additional reward points on IRCTC bookings, free insurance coverage, and much more.
Key Highlights
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SBI IRCTC Credit Card |
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Image Source: SBI Official Website |
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Suitability |
Travel and Ticket Bookings |
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Joining Fee |
Rs 1,499 + GST |
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Benefits |
You can earn 2,500 Reward Points on annual travel spends of Rs. 50,000 |
Features and Benefits of the SBI IRCTC Credit Card
The SBI IRCTC credit card benefits and features are listed below-
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Welcome Benefits |
With the payment of the first annual fee, you will receive 1,500 reward points (1 reward point = Rs. 1,500). Within 45 days of qualified transactions, these bonus reward points will be credited to your IRCTC SBI Premier Card account. After linking your IRCTC SBI Card loyalty number to your IRCTC user account, you can redeem these points on the IRCTC website and mobile app |
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Value Back Benefits |
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Fuel Surcharge Waiver |
On transactions between Rs. 500 and Rs. 4,000, there is a 1% fuel fee remission (up to Rs. 250 per statement) across all petrol outlets in India (exclusive of GST and other charges) |
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Railway Lounge Access |
You can enjoy 8 complimentary railway lounge access in a year to participating lounges in India (Max 2 per quarter) |
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Rewards |
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Annual Fee and Charges of SBI IRCTC Credit Card
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Joining Fees |
Rs. 1,499 + GST |
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Annual Charges |
Rs. 1,499 + GST |
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Finance Charges |
42% pa |
Late Payment Fees
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Outstanding Balance |
Late Payment Charges (Excl. GST) |
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Less than Rs 500 |
Nil |
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Rs 500 to Rs 1000 |
Rs 400 |
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Rs 1001 to Rs 10,000 |
Rs 750 |
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Rs 10,001 to Rs 25,000 |
Rs 950 |
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Rs 25,001 to Rs 50,000 |
Rs 1100 |
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More than Rs 50,000 |
Rs 1300 |
Eligibility Criteria of the IRCTC SBI Card
You can apply for this credit card once you fulfil all the eligibility criteria and regulations the bank states.
Documents Required to Apply for the IRCTC SBI Card
- ID Proof: Aadhaar, Driver's license, Passport, or Ration card
- Address Proof: Aadhaar, Telephone, Passport, Ration, Electricity bill
- Income Proof: Pay slips and Bank statements
How Can I Apply for the IRCTC SBI Card Online?
To apply for SBI, follow the steps outlined below-
Step 1: Go to IRCTC SBI Credit Card page.
Step 2: Fill out the necessary information and submit the application.
Once the application is approved, you will be contacted by the SBI card staff for verification.
Similar Credit Cards
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Credit Card Name |
Feature |
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HDFC Bharat Cashback Credit Card |
5% reward on railway ticket purchases made through the IRCTC website or app. |
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Up to Rs. 200 in My Cash for every Rs. 200 spent on MakeMyTrip. |
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Up to 15 reward points per rupee spent on Air India tickets purchased through the Air India website or app. |
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IRCTC Rupay SBI Card |
Up to 10% off train ticket bookings made through IRCTC. |
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HDFC Bank Diners Club Rewardz Credit Card |
Three points for every Rs. 150 spent. |
Other SBI Credit Cards
