SBI Card
Gold · IRCTC Premier
IRCTC SBI Premier Credit Card
SBI Card
Earn 3X rewards on dining and utility spends with premium railway benefits
Annual Fee
₹1,499
Joining Fee
₹1,499
Reward Rate
0.2%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹6,231
Total Annual Benefits
₹8,000
Total Annual Charges
₹1,769
ROI
353%
Fee Waiver Available
Annual fee waived on spending ₹2 Lakh in the preceding year — ₹2,00,000 annual spend
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Dining Benefits (1)
3 Reward Points per ₹125 on Dining & Utility
Earn 3 reward points per ₹125 on dining and utility bill payments
- • Valid on dining and utility transactions
3 RP per ₹125
Reward Points (1)
1 Reward Point per ₹125 on All Other Spends
Earn 1 reward point per ₹125 on all other retail spends
1 RP per ₹125
Travel Benefits (1)
Railway Lounge Access
8 complimentary railway lounge visits per year at select stations (2 per quarter)
- • Available at select railway stations
- • 2 visits per quarter
8 visits/year
₹12,000/yr
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹500–₹4,000
- • Valid on transactions ₹500–₹4,000
- • Max ₹250 per statement cycle
1% waiver
₹3,000/yr
Reward Program
Program
SBI Reward Points
1 RP per ₹125 (3X on dining/utility)
Effective cashback: 0.20%
Points expire: 2 years from date of accrual
Redemption Options
- → IRCTC railway bookings
- → Products & Vouchers (1 RP = ₹0.25)
- → Cashback (1 RP = ₹0.20)
Bonus Categories
Dining
3x multiplier
3 reward points per ₹125 on dining
Utility
3x multiplier
3 reward points per ₹125 on utility bills
Milestone Bonuses
2,000 bonus reward points on spending ₹2 Lakh annually
Spend ₹2,00,000 annually
2,000 Reward Points
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹1,499 Excluding 18% GST |
| Annual Fee | ₹1,499 Excluding 18% GST |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.5%
- Late Payment Fee
- ₹950
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹250
- Other Bank Withdrawal
- ₹250
- Intl. Withdrawal Fee
- 3.5% + ₹250
Fuel Surcharge Waiver
1% waiver on transactions between ₹500 – ₹4,000. Max waiver: ₹250/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹30,000
- Min. Annual Income
- ₹3,60,000
- Min. Credit Score
- 720
- Age Range
- 21 – 60 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Minimum monthly income ₹30,000
- • Self-Employed: Minimum ITR of ₹3.6 Lakh p.a.
- • Age 21–60 years
Insurance Coverage
Accidental Death
₹5.0 L
Permanent Disability
₹5.0 L
Lost Card Liability
₹2.0 L
Report within 24h
- • Air accident cover: ₹5 Lakh
- • Lost card liability: ₹2 Lakh
Airport Lounge Access
Domestic
8 visits/year
2 per quarter
~₹1,500/visit
International
0 visits/year
N/A
- • Railway lounge access at select stations (2 per quarter)
Transaction Limits
ATM Withdrawal / Day
₹30,000
POS & E-Commerce / Day
₹3,00,000
Contactless / Txn
₹5,000
Features
Contactless payments EMV chip security Add-on cards available EMI conversion facility Railway lounge access IRCTC booking privileges
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12, 18, 24 months
Processing Fee
1%
Ready to Apply?
The IRCTC SBI Premier Credit Card is a premium co-branded travel card offering 3 reward points per ₹125 on dining and utility spends, and 1 reward poi...
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