IRCTC SBI Card Premier is best for frequent ac train travellers who book on irctc. 10% value back on AC train tickets booked on IRCTC.
Effective value back per ₹100 spent. 10% value back as points on IRCTC AC train tickets (not a separate calculator category). 1 point per ₹125 on other spends; points worth ₹1 each on IRCTC tickets.
Estimated yearly value after fees and caps for typical spending patterns.
| Balanced spender ₹3,96,000/yr spend | ₹3,840 |
|---|---|
| Online shopper ₹3,90,000/yr spend | ₹3,792 |
| Frequent traveller ₹8,04,000/yr spend | ₹3,012 |
| Family & groceries ₹5,88,000/yr spend | ₹5,952 |
Railway lounge access (up to 8 visits a year)
Reviews are written by readers and checked by us before publishing. They're personal experiences and don't affect our rankings, which are calculated from card terms.
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The IRCTC SBI Card Premier credit card has a joining fee of ₹1,499 and an annual fee of ₹1,499, plus 18% GST. The annual fee is waived if you spend ₹2,00,000 or more in a card year.
The IRCTC SBI Card Premier card is best for: frequent ac train travellers who book on irctc. Its main strengths are: 10% value back on ac train tickets booked on irctc; higher points on dining and standing-instruction utility payments. Its main drawback: points are best used only for irctc tickets.
The IRCTC SBI Card Premier card charges a 3.5% forex markup on international transactions, plus 18% GST on the markup.
Yes: Railway lounge access (up to 8 visits a year). Banks often attach spend conditions to lounge access, so check the latest terms.