cards / mid / sbi-irctc-premier
SBIVisamid-tier

IRCTC SBI Card Premier

A solid daily-driver for steady spenders who want rewards without a premium fee.

excellent shape
health 100/100
annual fee₹ 1,499/yr
joining fee₹ 1,499
base earn rate0.8 / ₹100
rewards inReward Points
welcome benefit₹ 1,500

✓ best for

Restaurant DiningUtilities & Bills

⚠ heads up

no major caveats we’re tracking.

earn rates

categoryratecap/mo
base · everything else0.8 / ₹100
Restaurant Dining2.4 / ₹100
Utilities & Bills2.4 / ₹100

benefits & perks

Fraud Liability cover

Complimentary Fraud Liability cover of Rs. 1 lakh

Welcome Benefit~₹ 1,500/yr

Get 1,500 reward points worth Rs. 1,500 on payment of 1st Annual Fee

Milestone Benefits

2,500 Reward Points on annual travel spends of Rs. 50,000

unlocks at ₹ 50,000/yr

Milestone Benefits

5,000 Reward Points on annual travel spends of Rs. 1 Lakh

unlocks at ₹ 1,00,000/yr

Fuel Surcharge Waiver

Enjoy a 1% fuel surcharge waiver across all petrol pumps in India, on transactions of Rs. 500 to Rs. 4,000

Railway Lounge Program

8 complimentary railway lounge access in a year in India (max. 2 per quarter)

run your spend profileto see this card's value for you.