IRCTC SBI Card Premier

SBI Card · ₹1,499 a year · fee waived on ₹2,00,000 of annual spend

A card for frequent train travellers booking through IRCTC.

Base rate: 0.8% as Reward Point.

What the bank says

• Up to 10% value back as reward points on AC train tickets through IRCTC
• 5% back on air tickets and e-catering through IRCTC
• 3 reward points per ₹125 on dining and utility standing instructions
• 1 reward point per ₹125 on other non-fuel purchases
• 1,500 reward points worth ₹1,500 on joining

Where it pays more

• 2.4% on dining and utility standing instructions (3 points per ₹125)

Things that catch people out

• The 10% on IRCTC AC tickets and travel milestones are not in our figure, so rail travellers will earn more.
• Utility bills only earn the higher rate when set up as a standing instruction on the card.

Joining fee: ₹1,499. Foreign currency markup: not published.

Read from SBI Card’s own page on 2026-09-16.

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