SBISBI CardIRCTC SBI Card PremierVisa
IRCTC SBI Card Premier Credit Card
SBI Card · with IRCTC · Travel
10% back as Reward Points on railway ticket purchases.
- Joining fee
- ₹1,499
- Annual fee
- ₹1,499
- Waiver spend
- ₹2,00,000
- Forex markup
- 3.5%
Fee waiver
Spend ₹2,00,000 in a card year and the next annual fee is waived.
That is about ₹16,667 a month.
Work out what you still need to spend
Recent changes
- 1 May 2026Worse for you
Late payment charge becomes Rs 100 for dues of Rs 100 to 500 and Rs 500 for dues of Rs 500 to 1,000.
Work it out for this card
Compare with other cards
Fee waiver: what is left to spend
Card EMI or personal loan?
Cost of paying only the minimum
How the app counts rewards
- 4 points per ₹100 on AC rail tickets at IRCTC website and app (10 per ₹100 from 15 Jan to 31 Mar and 15 Jul to 15 Sep; not SL or 3E)
- 3 points per ₹125 on dining
- 1 point per ₹125 on other spends
No rewards on fuel, rent, wallet loads.
Points
IRCTC SBI Card Reward Points, worth about ₹1 each on the usual redemption. Expire after 2 years.
Some values on this page are not yet confirmed against the bank's terms. Check the bank's own page before you rely on them.
Taken from the bank's page. Rules data version 2026.10.04.
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