Get rewarded for your spending with up to 3 Reward Points for every Rs. 125 spent, and earn additional points on non-fuel retail purchases. Receive a welcome bonus of 1,500 Reward Points and up to 5,000 bonus points when you reach the spend milestone.
Our Rating: 8.6/10
Joining Fee: Rs. 1,499 + GST
Annual Fee: Rs. 1,499 + GST
Best For: Travel
Type of Rewards: Reward Points
Welcome Offers: 1,500 Reward Points
Entertainment and Dining: NA
Shopping Perks: For every Rs. 125 spent on dining and another utility spend, you get 3 reward points and for every Rs. 125 spent on other non-fuel purchases you get 1 reward point.
Travel Benefits: 8 complimentary access to railway lounges per year
Domestic Lounge Access: N/A
International Lounge Access: NA
Golf Benefits: NA
Insurance Coverage: You get insurance coverage against air accidents, railway accidents, and a fraud liability cover.
Waiver on Spend: Renewal fee waiver on spends of Rs. 2 lakh
Redemption Fee: Rs. 99
Foreign Transaction Fee: 3.5
Interest Rate: 3.5% per month
Fuel Surcharge Waiver: 1% fuel surcharge waiver
Cash Advance Fee: 2.5% of the cash advance or Rs. 500, the higher of the two.
- Get up to 3 Reward Points for every Rs. 125 spent. - Earn 1 Reward Point for every Rs. 125 spent on non-fuel retail purchases. - Receive a welcome bonus of 1,500 Reward Points. - Get up to 5,000 bonus Reward Points when you reach the spend milestone. - Enjoy complimentary access to railway lounges. - Access exclusive benefits at over 900 hotels worldwide. - Earn up to 10,000 miles per night on hotel stays. - Renewal fee waived based on your spend. - Enjoy a 1% fuel surcharge waiver. - Receive exclusive insurance benefits.
The IRCTC SBI Card Premier is a travel-focused credit card that offers a range of features and benefits.
With a joining fee of Rs. 1,499 + GST, and a renewal fee of Rs. 1,499 + GST, this card is ideal for individuals who frequently travel and enjoy earning reward points.
One of the main perks of this credit card is its reward system.
Cardholders can earn reward points through various types of spending.
For every Rs. 125 spent on dining and other utility expenses, you can earn 3 reward points.
Additionally, for every Rs. 125 spent on non-fuel purchases, you can earn 1 reward point.
This offers great value and allows you to accumulate points quickly.
The IRCTC SBI Card Premier also provides welcome benefits of 1,500 reward points, adding to the initial advantage.
Unfortunately, this card does not offer any benefits for movie dining.
As a travel-focused card, the IRCTC SBI Card Premier provides 8 complimentary access to railway lounges per year.
However, it does not offer any benefits for domestic or international lounges, nor does it provide golf-related perks.
In terms of insurance benefits, this card provides coverage against air accidents, railway accidents, as well as a fraud liability cover.
This adds an extra layer of security and peace of mind for cardholders.
Furthermore, this credit card offers a renewal fee waiver on spends of Rs. 2 lakh, allowing you to save money on annual fees.
However, there is a rewards redemption fee of Rs. 99 for redeeming your accumulated reward points.
When it comes to foreign currency transactions, there is a foreign currency markup of 3.5%, which may impact your international spending.
On the bright side, this card offers a 1% fuel surcharge waiver on all fuel purchases.
In the event that you need cash advance, be aware that a fee of 2.5% of the cash advance or Rs. 500, whichever is higher, applies.
Overall, the IRCTC SBI Card Premier is a great choice for frequent travelers.
With its rewarding points system, insurance coverage, and travel-related benefits, it offers a valuable package.
