IRCTC SBI Premier Credit Card
IRCTC SBI Premier Credit Card Fee and Charges
| Joining fee (first Year, one time) | 1499 + GST |
| Renewal fee (second year onwards) | 1499 + GST/ Year Spend Based Reversal of Annual Fee on spends of Rs. 2 Lakhs |
| Add-on fee | NIL |
| Finance charges | 3.35% per month, 40.2% per annum (from transaction date). |
| Cash advance fee on ATMs | 2.5% of the transaction, minimum of 300 |
| Fee for Payment dishonor | 2% of the payment amount (minimum 450) |
| Statement retrieval fee for statements older than 2 months | 100 per statement more than 2 months old |
| Overlimit fee | 2.5% of overlimit (minimum 500) |
| Late Payment Charges |
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IRCTC SBI Premier Credit Card Features & Benefits
Welcome Gift & Activation Benefits:
- Get 1500 bonus reward points worth 1,500 on payment of your first annual fee
- Get movie voucher of 500 from BookMyShow on spending 2,000 within first 60 days
- Bonus Reward Points will be credited to your IRCTC SBI Card Premier account within 45 days of eligible transaction.
Milestone Benefits
- Get 2,500 bonus reward points on travel spending of 50,000 annually
- Get 5,000 bonus reward points on travel spending of 1,00,000 annually
- Annual Fee Reversal on spending of 2 Lakhs annually
Railway Lounge Program
Get complimentary 8 lounge access per year (maximum 2 per quarter)
Zero Payment Gateway Charges
You can save 1.8% transaction charges on booking railway ticket via www.irctc.co.in and booking airline ticket via on www.air.irctc.co.in
Fuel Surcharge Waiver
- 1% fuel surcharge waiver across all petrol pumps available in India, on transactions of 500 to 3,000 (exclusive of GST & other charges).
- Maximum surcharge waiver available is up to 100 per statement cycle per credit card account
Complimentary Insurance Cover
- Rail Accident cover of up to 10 Lakhs
- Air Accident Cover of up to 50 Lakhs
- Fraud Liability cover of up to 1 Lakh
IRCTC SBI Premier Credit Card Rewards
- Get 10% value back as reward points on AC1, AC2, AC3, AC CC for your ticket purchase via irctc.co.in
- Get 5 reward points per 100 on booking air tickets through air.irctc.co.in
- Get 5 reward points per 100 on E-catering purchases via ecatering.irctc.co.in
- Get 3 reward points per 125 on Dining & Utility spends
- Earn 1 reward point on spending per 125 on other retail purchases (non fuel), including railway ticket purchases on irctc.co.in
- To redeem your reward points you must link your IRCTC SBI Card loyalty number with your irctc.co.in Login ID.
Eligibility for IRCTC SBI Premier Credit Card
- Should be an Indian resident
- Minimum age of 18 years
- Must be salaried or self employed
- Possess last 3 months bank statements
Additional Info: Check the Best Travel Credit Cards in India & apply.
Documents Required for IRCTC SBI Premier Credit Card
- KYC fulfilment: Passport/ Voter's ID Card/ Driving Licence/ Aadhaar Letter or Card/NREGA Card/PAN Card
- Address proof: Utility Bills/ Ration Card/ Passport
- ID proof: Aadhar Card/ PAN card/ Driving license/ Voter Id Card
- Income Proof: Last 3 Salary slips / bank statements
- Photographs
IRCTC SBI Premier Credit Card FAQs
Yes, under the railway lounge programme, primary cardholders will get complimentary railway lounge access on credit card.
No, it is available only to primary cardholders.
The facility is currently available at Platform No. 16 of New Delhi Railway Station, Platform No. 1 of Jaipur Jn Railway Station, Platform No. 1 of Agra Railway Station, Platform No. 1 of Ahmedabad Railway Station
Customer is eligible to a total of 8 complimentary railway lounge accesses with a maximum of 2 visits per quarter.
You will have to present your valid and unexpired eligible cards and valid train ticket at the entrance of the participating lounges. You will be charged from your account to validate your card for complimentary lounge access.
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