What is the annual fee for the SBI IRCTC Premier?

The annual fee for the SBI IRCTC Premier is ₹1,499. It can be waived on annual spends of ₹2,00,000.

Does the SBI IRCTC Premier offer airport lounge access?

Yes — the SBI IRCTC Premier offers 2 domestic per quarter lounge visits.

What rewards does the SBI IRCTC Premier earn?

It earns 0.8% on eligible spends as Reward Points.

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IRCTC Premier — SBI Credit Card | Card Manager

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SBI

mid

•••• •••• •••• 0000

IRCTC Premier

RuPay

IRCTC Premier

SBI • RuPay• Mid

catalog

Annual Fee

₹1,499

Base Reward Rate

0.80%

Foreign Tx Fee

—

Tier

Mid

Joining Fee

₹1,499

Verified

2026-05-25

Airport Lounge Access

Domestic & international access details and eligibility criteria

domesticDirect

2 per quartermedium

✓ No activation spend required — access is unconditional.

Railway lounges, 5 cities, 2hr stay+meal.

Earnings Projection

Estimate annual rewards based on your typical monthly spend

Other / General₹20,000/mo

+₹160

Dining₹5,000/mo

+₹120

Grocery₹8,000/mo

+₹64

Fuel₹3,000/mo

—

Travel₹5,000/mo

+₹500

Online Shopping₹8,000/mo

+₹64

Utilities₹3,000/mo

+₹24

Annual earnings

₹11,184

Blended 1.79% effective return

Monthly spend₹52,000

Monthly earnings+₹932

Estimates use this card's best matching rule per category. Caps applied where known. Milestones not included.

Notes

1,500 RP welcome. 10% on IRCTC AC trains year-round.

Benefits & Perks

Rewards

1 Reward Points ≈ ₹0.25 depending on redemption (cashback → flights/transfer).
0.8% base reward rate on all eligible spends. 1 RP/₹125.
0.80%medium
Travel: 10% — On IRCTC AC railway classes.
10.0%medium

Dining: 2.4% — 3 RP/₹125 on dining/utility SI.

2.4%medium

Forex

No forex markup configured.

Travel

domestic via Direct: 2 per quarter — no spend needed
2/quartermedium

Payments

Joining fee: ₹1,499. Annual: ₹1,499.
₹1,499
Annual fee waived on spending ₹2,00,000 per year.
Spend ₹2,00,000
Milestone: spend ₹50,000/year → 2,500 Reward Points on annual travel spends of Rs. 50,000 (1 RP = Rs.1)
+₹2,500 valuehigh
Milestone: spend ₹1,00,000/year → 5,000 Reward Points on annual travel spends of Rs. 1,00,000 (1 RP = Rs.1)
+₹5,000 valuehigh