IRCTC SBI Card Premier

The IRCTC SBI  Card Premier has been launched in association with IRCTC and therefore is a co-branded credit card. The IRCTC SBI Card Premier is considered to be an upgrade to the IRCTC SBI Platinum Credit Card, which has been launched previous to this. Due to this, the card inevitably provides better rewards and perks. The IRCTC SBI Card Premier happens to be a rare one which provides benefits on rail travel.

Indian Railway Catering and Tourism Corporation Limited has been included as a Category-1 Central Public Sector Enterprise under the Ministry of Railways. It is an extension to upgrade and manage the catering and hospitality services on trains, stations while promoting domestic and international tourism.

  • Sure Card
  • IRCTC SBI Card Premier
Features Sure CardIRCTC SBI Card Premier
EligibilityEveryone 18+People between the age group of 18 to 60. Both salaried and self-employed people.
Approval100%Not guaranteed, not transparent
Joining FeesNILRs. 1768.82 ( Rs. 1499 + 18% GST)
Annual FeesNILRs. 1768.82 ( Rs. 1499 + 18% GST)
Interest Rate10-14%Upto 3.50% per month (42% per annum)
Cash Advance FeeNo Cash Advance2.5% of the amount withdrawn; minimum of Rs. 500
Over-limit ChargesNo over-limit transactions2.5% of the overlimit amount; minimum of Rs. 600
Late payment chargesNILFrom Rs.0 to Rs.500 - Nil More than Rs.500 up to Rs.1,000 - Rs.400 More than Rs.1,000 up to Rs.10,000 - Rs.750 More than Rs.10,000 up to Rs.25,000 - Rs.950 More than Rs.25,000 up to Rs.50,000 - Rs.1,100 More than Rs.50,000 - Rs.1,300
Card replacement feeNILRs. 100 to Rs. 250
Fuel SurchargeNIL1% surcharge waiver (excluding all applicable taxes wherever applicable + other charges) on transactions of upto Rs. 4000 Maximum waiver of Rs. 250 per statement cycle per card account
Foreign Currency TransactionNIL 3.50%
Minimum Amount DuePay in Full5% of total outstanding amount Minimum of Rs.200 + applicable taxes
Rewards10 points for every Rs.100/- transaction for everyone, everywhere.1 reward points equals I Rs. 3 reward points per Rs. 125 spent on Dining and standing instructions on Utility spends. 1 reward point per Rs. 125 on other retail purchases (except fuel) including railway ticket purchases. 1500 reward points equivalent to Rs. 1500 on payment of first annual fee or joining fee. 10% value back on AC1, AC2, AC3, AC CC as reward points for IRCTC ticket purchase from the website and app.
Referral RewardYesYes, but subject to approval
Anniversary RewardYesNo
Birthday RewardYesNo
ChargebackSimple online formMail printed and signed form
Privacy and SecurityYour data is not used and not soldComplimentary Rail Accident Insurance of INR 10 Lakhs. Complimentary Air Accident insurance of INR 50 Lakhs. Complimentary Fraud Liability cover of INR 1 Lakh.
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IRCTC SBI Card Premier vs. SURE Card

The IRCTC SBI Card Premier provides travel offers like 1% transaction charges on railway ticket bookings on and 1.8% transaction charges on airline ticket bookings on

Apart from this, the IRCTC SBI Card Premier offers 8 complimentary railway lounge access in a year, applicable on participating lounges. This is limited to a maximum of 2 visits in the quarter. Milestone benefits on the card are in the form of 2500 reward points on annual travel spends of Rs. 50,000 and 5000 reward points on annual travel spends of Rs. 1,00,000. Annual fee reversal is applicable on spends of Rs. 2 lakhs.

The IRCTC SBI Card Premier  is mainly of great use for travel ticket bookings and dining expenditure of the card holders. The usability of the card, however, is limited to these categories a majority of the tie. SURE Card, on the other hand, provides 10 reward points on  every Rs. 100 spent anywhere.

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