Research coverage — 15/16 categories
SBI · Visa / RuPay
IRCTC SBI Card Premier
Best forRailways & Travel
Earns10 RP/₹125 on railways
1st Year / Joining Fee
₹1,499 + taxes
Renewal Fee
₹1,499 + taxes
charged every year for IRCTC SBI Card Premier
Fee waiver
₹2,00,000
annual spend
Network
Visa / RuPay
SBI
IRCTC SBI Card Premier
Visa / RuPayWhy this card may suit you
Based on the card's verified terms.
- Best suited to spending on railways and travel, where it earns 10 RP/₹125
- Annual fee is waived at ₹2,00,000 yearly spend
How you earn
Reward rates at a glance — exactly as recorded for this card.
Railways10 RP/₹125
TravelOnly at IRCTC Air (air.irctc.co.in)5 RP/₹125
Food DeliveryOnly at IRCTC eCatering (ecatering.irctc.in)5 RP/₹125
Dining3 RP/₹125
UtilitiesOnly at Standing Instructions (SI) utility bill payments3 RP/₹125
All 16 reward categories · 15 of 16 categories verified
| Category | Rate | Cap | Condition |
|---|---|---|---|
| Rent | Not eligible | — | Reward points on Rent Payment transactions (MCC 6513, 7349) discontinued w.e.fDetails
|
| Education | 1 RP/₹125 | — | 1 Reward Point per ₹125 on education spends (1 RP = ₹1)Details
|
| Insurance | 1 RP/₹125 | — | 1 Reward Point per ₹125 on insurance spends (1 RP = ₹1)Details
|
| Utilities | 1 RP/₹125 | — | 3 Reward Points per ₹125 (2.4% value back) on Standing Instruction utility bill paymentsDetails
|
| Fuel | Not eligible | — | Petrol pumps and service stations (MCC 5172, 5541, 5983, 5542) excluded from reward pointsDetails
|
| Groceries | 1 RP/₹125 | — | 1 Reward Point per ₹125 on retail grocery spends (1 RP = ₹1)Details
|
| Dining | 3 RP/₹125 | — | 3 Reward Points per ₹125 (2.4% value back) on Dining (MCC 5812, 5813, 5814)Details
|
| Food Delivery | 1 RP/₹125 | — | 1 Reward Point per ₹125 on retail food delivery spends (1 RP = ₹1) · Also 5 RP/₹125, only at IRCTC eCatering (ecatering.irctc.in)Details
|
| Shopping | 1 RP/₹125 | — | 1 Reward Point per ₹125 on retail shopping spends (1 RP = ₹1)Details
|
| Travel | 1 RP/₹125 | — | 5 Reward Points per ₹125 (4% value back) on IRCTC Air ticket booking (capped at 750 RP/statement cycle)Details
|
| Government | Not eligible | — | Reward points on GovtDetails
|
| Wallet | No reward | — | —Details
|
| Railways | 10 RP/₹125 | — | 10 Travel Reward Points per ₹125 (8% base value back, up to 10%) on AC ticket purchases at www.irctc.co.in & IRCTC mobile app (full booking eligible from 26 Dec 2024)Details
|
| FASTag | Varies | — | Depends on how the transaction is processedDetails
|
| Jewellery | 1 RP/₹125 | — | 1 Reward Point per ₹125 on jewellery spends (1 RP = ₹1)Details
|
| Telecom | 1 RP/₹125 | — | 1 Reward Point per ₹125 on telecom spends (1 RP = ₹1)Details
|
“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.
Cost & caps
What it costs to hold, and where rewards stop.
1st Year / Joining Fee
₹1,499 + taxes
Renewal Fee
₹1,499 + taxes
charged every year for IRCTC SBI Card Premier
Fee waiver
₹2,00,000
annual spend
Reward caps
- Travel (IRCTC Air) — 750 RP / statement (per category — Travel (IRCTC Air))
Spending thresholds
- Spend ₹2,00,000 per card year → annual fee waived
- Spend ₹50,000 per card year → Milestone benefit: 2,500 Reward Points (worth ₹2,500) on annual travel spends of ₹50,000 or above (MCCs: Travel Agents, Railways)
- Spend ₹1,00,000 per card year → Milestone benefit: 5,000 Reward Points (worth ₹5,000) on annual travel spends of ₹1,00,000 or above (MCCs: Travel Agents, Railways)
Key benefits
Rewards
10 RP/₹125 on railways
Fuel surcharge waiver
fuel surcharge waiver 1% up to ₹250/mo (₹500-₹4,000)
Foreign-currency markup
3.5% foreign-currency markup — Charged on every foreign-currency transaction (IRCTC SBI Card Premier)
Milestone benefit
Welcome Gift: 1,500 Reward Points (equivalent to ₹1,500 at 1 RP = ₹1) on payment of first annual fee
Milestone benefit
Milestone benefit: 2,500 Reward Points (worth ₹2,500) on annual travel spends of ₹50,000 or above (MCCs: Travel Agents, Railways)
Fee waiver
Annual fee waived on ₹2,00,000 annual spend
Important to know
Limits and exclusions that change what you earn.
- Travel (IRCTC Air) rewards are capped at 750 RP / statement (per category — Travel (IRCTC Air))
- No reward on: Wallet
- Not eligible: Rent, Fuel, Government
- Spend ₹2,00,000 per card year → annual fee waived
Who should consider this card
✓ Good fit if
- Your spending is concentrated in railways, travel, food delivery
- You can reach the ₹2,00,000 annual spend that waives the fee
△ Less useful if
- Much of your spending is in rent, fuel, government, which earn nothing
- You cannot reach the fee-waiver spend and would pay the annual fee
Full details
Everything else, expanded on demand.
Caps & exclusions · 1 caps · 4 no-reward categories
Caps
- Travel (IRCTC Air) — 750 RP / statement (per category — Travel (IRCTC Air))
Categories with no reward or not eligible
- Rent — Not eligible. Reward points on Rent Payment transactions (MCC 6513, 7349) discontinued w.e.f.
- Fuel — Not eligible. Petrol pumps and service stations (MCC 5172, 5541, 5983, 5542) excluded from reward points.
- Government — Not eligible. Reward points on Govt.
- Wallet — No reward.
Milestones · 4 recorded
- Spend ₹2,00,000 per card year → benefit worth ₹1,499 — Annual fee waiver: the renewal fee is waived on annual spends of Rs.2 Lakh or more in the preceding year. Source: SBI Cards - Most Important Terms & Conditions, Section 1.A Annual Fees & Renewal Fees (fee table, pages 1-11).
- Milestone → benefit worth ₹1,500 — Welcome Gift: 1,500 Reward Points (equivalent to ₹1,500 at 1 RP = ₹1) on payment of first annual fee. Source: IRCTC SBI Card Premier T&C Clause 12.1.
- Spend ₹50,000 per card year → benefit worth ₹2,500 — Milestone benefit: 2,500 Reward Points (worth ₹2,500) on annual travel spends of ₹50,000 or above (MCCs: Travel Agents, Railways). Source: IRCTC SBI Card Premier T&C Clause 12.2.
- Spend ₹1,00,000 per card year → benefit worth ₹5,000 — Milestone benefit: 5,000 Reward Points (worth ₹5,000) on annual travel spends of ₹1,00,000 or above (MCCs: Travel Agents, Railways). Source: IRCTC SBI Card Premier T&C Clause 12.3.
Eligibility
Subject to SBI's underwriting and eligibility criteria. See the issuer's terms for current requirements.
Specifications
- Payment network: Visa / RuPay
- Airport lounge: Not recorded by DhanChakshu — check the issuer terms
- Fuel surcharge waiver: fuel surcharge waiver 1% up to ₹250/mo (₹500-₹4,000)
- Foreign-currency markup: 3.5% foreign-currency markup — Charged on every foreign-currency transaction (IRCTC SBI Card Premier). The exchange rate is determined by the network (VISA/Mastercard etc.) on the date the transaction is settled with SBI Card.
Other fees and charges
- Renewal fee ₹1,499 plus applicable taxes, charged every year for IRCTC SBI Card Premier
- Over-limit fee: 2.5% of the amount above the credit limit or ₹600, whichever is higher, charged once per billing cycle
- Payment dishonour fee: 2% of the payment amount, subject to a minimum of ₹500
- Cheque payment fee ₹200
- Card replacement fee between ₹100 and ₹250 depending on the card variant
What DhanChakshu couldn't fully verify · 2 areas
2 areas need further verification. None of these are counted as zero.
- • FASTag — depends on how the transaction is processed
- • Lounge benefit — not recorded; check the issuer terms
Sources & verification
Verification & sources · last checked 2026-10-11
Verification coverage: 15 of 16 categories verified · 1 still being verified
Card record last checked: 2026-10-11
Documents used
IRCTC SBI Card Premier - Cardholder Agreement & Reward Point Program T&C · SBI-IRCTC-PREMIER · 2026-10-11
SBI MITC · SBI MITC
SBI Cards - Most Important Terms & Conditions · SBI-MITC-UPLOAD-2026-10 · 2026-10-08