IRCTC SBI Card Premier
SBI Card · Checked 2026-10-09
IRCTC SBI Card Premier is a paid card focused on travel benefits, dining rewards and reward points, charging ₹1,499 annually before GST.
CardIQ editorial view
Our take
IRCTC SBI Card Premier is a paid card focused on travel benefits, dining rewards and reward points, charging ₹1,499 annually before GST.
Who it suits
- People who prioritise travel benefits.
- People who prioritise dining rewards.
- People whose normal usage can recover the annual fee through relevant benefits.
Key strengths
- 10% value back on eligible AC train base fares booked through IRCTC; 1 point per ₹125 on other eligible purchases.
Trade-offs to understand
- 3 points per ₹125 on eligible dining and utility standing instructions.
- Points redeem for eligible IRCTC train bookings at ₹1 each; this is not general cashback.
- The ₹1,499 annual fee plus GST needs to be justified by benefits you will actually use.
CardIQ verdict
It deserves a place on the shortlist when your normal spending makes 10% value back on eligible ac train base fares booked through irctc; 1 point per ₹125 on other eligible purchases valuable enough to clear the fee. Factor in this condition: 3 points per ₹125 on eligible dining and utility standing instructions.
Compare before deciding
- TVS Credit RBL Bank Gold — A higher-fee option to compare for broader benefits around reward points and travel benefits.
- BOBCARD PREMIER — A lower-fee way to compare similar strengths in reward points and travel benefits.
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Benefits, limits and conditions
- 3 points per ₹125 on eligible dining and utility standing instructions.
- Points redeem for eligible IRCTC train bookings at ₹1 each; this is not general cashback.