SBI IRCTC Premier Card Review 2026 — Fees, Rewards & Eligibility
By Credit Card Hunt Editorial Team
Issuer: SBI Card
Network: Visa | Tier: Mid-Range
The SBI IRCTC Premier Card is a Mid-Range Visa credit card issued by SBI Card, best suited for travelers. It carries a joining fee of ₹1,499, with an interest rate of 3.5% per month. Key benefits include Rail travel rewards, IRCTC rewards, and Lounge. New cardholders get a welcome benefit of Welcome points. On fees — Lounge access: Lounge; Foreign transaction markup: 3.5%; Fuel surcharge: 1% waiver. Applicants typically need ₹4,00,000/year to qualify. It falls under the Co-branded, Travel, and Fuel category on CreditCardHunt.
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Why Choose the SBI IRCTC Premier Card?
The SBI IRCTC Premier Card is a Mid-Range-tier Visa credit card issued by SBI Card, rated 4.4/5 by the Credit Card Hunt editorial team. It is best suited for Travelers. With a reward rate of IRCTC rewards and an annual fee of ₹1,499, it ranks among the popular Co-branded cards in India in 2026.
New cardholders are welcomed with Welcome points, which adds immediate value in the first year and helps recover the ₹1,499 joining fee.
SBI IRCTC Premier Card Fees & Charges
| Annual Fee | ₹1,499 |
|---|---|
| Joining Fee | ₹1,499 |
| Interest Rate | 3.5% per month |
| Foreign Markup | 3.5% |
| Fuel Surcharge Waiver | 1% waiver |
SBI IRCTC Premier Card Rewards & Benefits
| Reward Rate | IRCTC rewards |
|---|---|
| Welcome Bonus | Welcome points |
| Lounge Access | Lounge |
| Best For | Travelers |
Key Highlights of the SBI IRCTC Premier Card
- Rail travel rewards
- IRCTC rewards
- Lounge
SBI IRCTC Premier Card Eligibility Criteria
- Age: 21-65 years
- CIBIL score: 750+
- Minimum income: ₹4,00,000/year
Minimum Income Required: ₹4,00,000/year
Advantages of the SBI IRCTC Premier Card
- Rail benefits — a built-in advantage for cardholders.
Drawbacks of the SBI IRCTC Premier Card
- Before applying, factor in niche.
SBI IRCTC Premier Card — Frequently Asked Questions
What is the annual fee of the SBI IRCTC Premier Card?
The SBI IRCTC Premier Card has an annual fee of ₹1,499 and a joining fee of ₹1,499. New cardholders receive Welcome points as a welcome benefit, which helps offset the joining cost.
Does the SBI IRCTC Premier Card offer airport lounge access?
Yes — the SBI IRCTC Premier Card offers Lounge.
Who is eligible for the SBI IRCTC Premier Card?
The minimum income requirement is ₹4,00,000/year. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the SBI IRCTC Premier Card?
The SBI IRCTC Premier Card earns IRCTC rewards. It is best suited for Travelers.
Credit Cards Similar to the SBI IRCTC Premier Card
If you are considering the SBI IRCTC Premier Card, these co-branded credit cards are worth comparing before you apply:
- AU ixigo Credit Card by AU Small Finance Bank — rated 4.7/5, NIL annual fee
- Tata Neu Infinity Credit Card by HDFC Bank — rated 4.6/5, ₹1,499 annual fee
- Marriott Bonvoy HDFC Credit Card by HDFC Bank — rated 4.6/5, ₹3,000 annual fee
- Swiggy HDFC Credit Card by HDFC Bank — rated 4.6/5, ₹500 annual fee
Official sources for this review
Fees, rules and limits described above are governed by the primary sources below.
- RBI Master Direction — Credit Card and Debit Card Issuance and Conduct Directions, 2022 — Reserve Bank of India
- Department of Financial Services — Banking Division — Ministry of Finance, Government of India
- Consumer Financial Decision-Making research — Wharton School, University of Pennsylvania
- Tax Collected at Source on Liberalised Remittance Scheme transactions — Income Tax Department, Government of India
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Expert Rating: 4.4/5