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IRCTC SBI Card Premier

IRCTC SBI Card Premier is a co-branded travel card designed for regular railway passengers. It offers up to 10% value back on IRCTC bookings, complimentary railway lounge access, and accelerated rewards on dining and utility payments. With a reasonable annual fee, it provides solid benefits for frequent train travelers.

IRCTC SBI Card Premier

About IRCTC SBI Card Premier

IRCTC SBI Card Premier is a railway-focused credit card created for individuals who frequently book train tickets online. As an upgraded version of the IRCTC SBI Platinum Card, it delivers enhanced savings by offering up to 10% value back on IRCTC bookings and waiving the standard 1% transaction charges on railway ticket purchases.

The rewards earned through this card can be redeemed directly for IRCTC bookings at a rate of 1 reward point = ₹1, making it especially useful for regular travellers. Users can also unlock milestone benefits worth up to ₹7,500 on yearly spends of ₹1 lakh, helping maximize savings for those who travel often. Additionally, the joining fee is effectively balanced by 1,500 reward points issued upon activation.

For passengers who rely heavily on Indian Railways and prefer booking through IRCTC, this card offers meaningful value. Complimentary access to select railway lounges adds further convenience to travel.

Note: This card is not available on Paisabazaar. To apply or learn more, please visit the official SBI Card website.

Travel Benefits – IRCTC SBI Card Premier

Value Back Rewards

  • Earn 10% value back in reward points on AC1, AC2, AC3, Executive Chair Car, and Chair Car tickets booked via the IRCTC website or Android app.

  • Get 5% value back on air ticket purchases made through IRCTC.

  • Receive 5% value back on e-catering orders on IRCTC.

Transaction Fee Waivers

  • Save 1% on transaction charges for railway ticket bookings via IRCTC.

  • Save 1.8% on transaction charges for airline bookings through IRCTC.

Lounge Access

  • Enjoy 8 complimentary railway lounge visits per year at participating lounges in India (up to 2 per quarter).

Other Benefits and Features

Welcome Rewards:

  • Earn 1,500 points (equivalent to Rs. 1,500) after paying your first annual fee.

Rewards Program:

  • 3 points for every Rs. 125 spent on dining and utility bill standing instructions.
  • 1 point for every Rs. 125 spent on other retail purchases, including railway ticket bookings through the IRCTC app or website (Android only).

Milestone Rewards:

  • Earn 2,500 points on yearly travel spending of Rs. 50,000.
  • Earn 5,000 points on yearly travel spending of Rs. 1,00,000.

Insurance Coverage:

  • Complimentary rail accident insurance up to Rs. 10 Lakh.
  • Complimentary air accident insurance up to Rs. 50 Lakh.
  • Complimentary fraud protection cover up to Rs. 1 Lakh.

Fuel Surcharge Waiver:

  • 1% waiver on fuel purchases (up to Rs. 250 per statement) at all petrol pumps in India for transactions between Rs. 500 and Rs. 4,000.

IRCTC SBI Card Premier Reward Points & Cashback Calculator

Reward Points Calculator

IRCTC SBI Card Premier: Fees & Charges

Fee Type Amount
Joining/Annual Fee Rs. 1,499 + applicable taxes
Finance Charges 3.75% p.m. (45% p.a.)
Late Payment Charges
Outstanding Balance
Up 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

Things to Know Before Applying

Who Should Apply:

  • Ideal for frequent domestic travelers who book tickets via IRCTC.
  • Suitable if you plan to spend around Rs. 1 Lakh annually to earn milestone rewards (7,500 points).
  • Perfect for those who want the joining fee (Rs. 1,500) offset with equivalent reward points.
  • Great for travelers seeking complimentary railway lounge access.

Eligibility & Required Documents:

  • Age: 18 to 60 years.
  • Occupation: Salaried or self-employed individuals.
  • Documents: Valid ID, address proof, and income proof.

Steps to Close IRCTC SBI Card Premier

If you want to close your IRCTC SBI Card Premier, you can follow the official closure process provided by SBI Card. You may choose offline methods or customer care support depending on your preference.

Visit Nearest SBI Branch

  • Go to your nearest State Bank of India branch with valid identity proof and your credit card details
  • Request the credit card closure application form from the bank official
  • Fill in all required details carefully and accurately
  • Submit the completed form for verification and processing

Contact Customer Care

Process details

  • Call customer care and request initiation of your credit card closure
  • Provide your registered mobile number and last four digits of the card for verification
  • Complete the authentication process as guided by the representative

Send a Written Request

You can also send a formal written request by post. Include the following details

  • Full name of the cardholder
  • Registered residential address
  • Active contact number
  • Last four digits of the credit card

Mailing Address

SBI Cards and Payment Services Limited

  • Unit 401 & 402, 4th Floor, Aggarwal Millennium Tower
  • E-1, 2, 3 Netaji Subhash Place, Wazirpur New Delhi – 110034

Important Points to Remember

  • Ensure all outstanding dues including EMIs, interest, and other charges are fully cleared before initiating closure
  • Redeem all reward points, travel miles, or benefits before closing the card
  • Cancel all auto-debits, subscriptions, and standing instructions linked to the card
  • Avoid using the card after submitting the closure request
  • Always request confirmation via SMS or email after successful closure

After Card Closure

  • Cut the physical card diagonally across the chip and magnetic strip after confirmation
  • Check your credit report after a few weeks to ensure the status is updated as “Closed”
  • Report any discrepancy immediately to the bank for correction

IRCTC SBI Card Premier Helpline Number

If you need assistance related to your IRCTC SBI Card Premier, you can contact the customer support team of SBI Card. They provide support for billing queries, payment issues, reward points, card blocking, and other credit card-related services.

Customer Care Helpline Numbers

Availability

  • IVR services are available 24×7
  • Customer care executives are available Monday to Saturday, 9:00 AM to 6:00 PM

Note: Calls to 1860 numbers may be chargeable depending on your telecom operator

International Customer Support

  • Overseas Helpline: +91-80-26599990
    This number can be used when calling from outside India

Email Support

For personal credit card queries, you can also use SBI Card net banking or the official website

SMS Services for Existing Cardholders

Send SMS to 5676791 from your registered mobile number

  • Balance Check: BAL XXXX
  • Available Credit Limit: AVAIL XXXX
  • Block Card: BLOCK XXXX
  • Payment Status: PAYMENT XXXX
  • Reward Points: REWARD XXXX
  • E-Statement: ESTMT XXXX
  • Duplicate Statement: DSTMT XXXX MM

Replace XXXX with the last four digits of your card

WhatsApp Support

How to Activate

  • Give a missed call on 08080945040
  • Register via SBI Card mobile app or official website
  • Send SMS WAOPTIN XXXX to 5676791

Services Available

  • Help with billing and statement-related queries
  • Support for lost or stolen cards
  • Assistance with fraud and unauthorized transactions
  • Information about reward points and offers
  • Requests for credit card closure, upgrade, or service changes

Important Points

  • Keep your registered mobile number and credit card details ready for verification
  • Never share sensitive information such as OTP, PIN, or CVV
  • Always note your complaint or reference number for tracking
  • Immediately block your card if you notice suspicious activity

FAQs

Do I need to submit a PAN Card to apply?

Yes. To apply, you must provide valid identity, address, and income proofs. Acceptable ID documents include PAN Card, Aadhaar, Driver’s License, Voter ID, or other recognized documents.

You can apply online via the SBI Card official website or offline at any SBI Card branch by submitting a completed application form along with the necessary documents.

Yes, SBI allows multiple credit cards per person. Ensure you meet eligibility requirements and have a good credit score, ideally 750 or higher, for approval.

Immediately contact SBI Card customer care to report the loss and block the card to prevent fraud. You can also request a replacement card during the call.

The card provides a 1% waiver on fuel purchases, up to Rs. 250 per statement, for transactions between Rs. 500 and Rs. 4,000 at all petrol stations.

SBI Card typically sends updates via SMS. You can also track your application on the SBI Card website using your application number or contact customer care for assistance.

The renewal fee is Rs. 300 plus applicable taxes.

Cardholders can enjoy up to 10% savings on IRCTC train bookings, four complimentary railway lounge visits annually, a 1% transaction fee waiver on train bookings, reward points on every purchase, and a joining bonus.

During checkout on IRCTC, select your SBI Card Premier as the payment option. Link your 11-digit IRCTC loyalty number with your IRCTC account for seamless transactions.

Earned reward points can be accessed via your IRCTC loyalty account and redeemed for train bookings through the IRCTC website or mobile app.