Joining Fee:
Apply Now₹1499 +GST
Return Percentage:2% to 3%
Credit Card Overview
A premium IRCTC Premier card delivering accelerated train travel rewards, milestone benefits, and enhanced privileges for frequent travelers.
Best Suited For: Travel Booking
SBI
Fees and charges at a glance
- Annual fee
- ₹1,499
- Joining fee
- ₹1,499
- Reward rate
- 2% to 3%
- Forex markup
- 3.5%
- Interest rate
- 45% p.a.
- Add-on card
- Free
Charged every year you keep the card
Paid once when you get the card, plus GST
Depends where you spend
Extra charge on foreign spends
Only if you don't pay the full bill
An extra card for family
SBI IRCTC Premier credit card — Earn Categories
Where you earn more
- IRCTCTravel · Railways10 reward points / ₹125
Minimum ₹125 per transaction
- IRCTCTravel · Railways5 reward points / ₹125
Minimum ₹125 per transaction
Everyday rate
- Base Rewards1 Reward Point (reward points) / ₹125
Minimum ₹125 per transaction
2 more earning categories on this card
We track all 5 of them, with the caps and conditions on each. See the full breakdown against your own spending in the app.
Earns nothing on these
Spends in these categories carry no rewards on this card.
- Rent
- Government
- Digital gaming
- EMI
- Wallets
- Fuel