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IRCTC SBI Card Premier
SBI • MasterCard

IRCTC SBI Card Premier

Higher value on rail travel bookings with complimentary railway lounge perks.

Annual Fee₹1499Waived on ₹3L annual spend
Base Reward0.5%On all spends
Lounge Access1913 domestic • 6 intl
Est. Annual Savings₹1,261Based on ₹4.8L annual spend

Fee waiver & value estimator

Adjust your spend to see fee waiver eligibility and capped rewards.

Annual fee
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹1,800

Assumes base reward rate only.

Annual feeWaived

Waived on ₹3L annual spend

Net value₹1,800

Estimated savings per year.

Fee waiver target: ₹3,00,000 annual spend.

Reward Rate Breakdown

Category-wise reward rates for this card

Travel
4.0%
Online
1.0%
Basedefault
0.5%

Insights

Verified card-level notes, best use-cases, and watchouts.

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Insights

  • IRCTC SBI Card Premier is best positioned as a travel + lifestyle specialist rather than a universal all-spend card.
  • Its current reward model is anchored around 4.0% on travel-aligned lanes, while broad base return remains closer to 0.5%.
  • Current mapped lounge footprint is 19, adding travel-side utility when issuer eligibility conditions are met.

Best Utilization

  • Route this card to travel and lifestyle spends first, then shift spillover transactions to stronger category alternatives.
  • Track statement outcomes monthly to confirm that expected reward credits are posting in the intended merchant/category buckets.
  • Maintain break-even discipline against the annual fee of INR 1,499 and reduce allocation if annual net value weakens.

Watchouts

  • points-value realization depends on redemption choice and transfer use
  • Lounge access may still require spend/quarter gating or program conditions; verify issuer terms before travel plans.
  • Category caps, partner restrictions, and MCC-level exclusions can materially reduce realized value versus headline promotion copy.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

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Offer Truth

  • Joining fee₹1,499
  • Annual fee₹1,499
  • Waiver threshold₹3,00,000
  • Cap typenone
  • Cap resetnone
  • Last verified2026-02-12

Redemption Truth

  • Cash value/point₹0.25
  • Travel value/point₹0.25
  • Transfer partners0
  • Min redemptionNot listed
  • Expiry policyNot listed
  • Last verified2026-02-12

Lounge Truth

  • NetworkMasterCard
  • Domestic count13
  • International count6
  • Quarterly limitNot listed
  • Airport-terminal rows19
  • Policy check2026-02-10

Reliability + Outcomes

  • Verification statusverified
  • Freshness days1
  • Source conflicts0
  • Applied reports21
  • Approval reports13

Upgrade Path

These are objective same-bank step-up options from the current rewards and lounge model.

Step 1

PhonePe SBI Card SELECT BLACK

Annual fee: Free

Shared focus: Travel+23 more lounge visits in current datasetEstimated +₹1,359/yr value
View Details
Step 2

Landmark Rewards SBI Card

Annual fee: Free

Shared focus: Lifestyle+11 more lounge visits in current datasetEstimated +₹1,359/yr value
View Details
Step 3

BPCL SBI Card Octane

Annual fee: ₹1499

Shared focus: LifestyleHigher top earn rate (7.2%)No higher annual fee vs current card
View Details

Lounge Eligibility Checklist

Mapped from issuer lounge dataset + card policy signals

Lounge Spend Tracker

Eligibility target met: No

Track lounge eligibility for IRCTC SBI Card Premier using your current period spend.

₹0 spentAdd threshold to start tracking

No spend threshold was detected from current lounge policy text. You can still track manually.

Spend threshold

Verify issuer-side spend thresholds, card eligibility, and visit caps before travel.

Quarter / cycle rule

No quarter or billing-cycle lounge rule is explicitly listed.

Guest access

Guest access policy is not explicitly listed in current data.

Priority Pass

International lounge access is listed; verify if this is via Priority Pass or direct network.

Lounge Locations

19 airport lounge rows
View lounge map and location list19 rows
Loading interactive lounge map...

Click a city marker to jump to its lounge list below.

Ahmedabad

1 lounges • 1 domestic • 0 international

1
TheDomestic

AHM • Ahmedabad Airport • Terminal 1

Bengaluru

1 lounges • 1 domestic • 0 international

1
BlrDomestic

BEN • Bengaluru Airport • Terminal 1

Chennai

2 lounges • 1 domestic • 1 international

2
TravelDomestic

CHE • Chennai Airport • Terminal 1

TravelInternational

CHE • Chennai Airport • Terminal 2

Goa

1 lounges • 1 domestic • 0 international

1
EncalmDomestic

GOA • Goa Airport • Terminal 1

Hyderabad

2 lounges • 1 domestic • 1 international

2
EncalmInternational

HYD • Hyderabad Airport • Terminal 1

EncalmDomestic

HYD • Hyderabad Airport • Terminal 1

Kochi

2 lounges • 1 domestic • 1 international

2
EarthDomestic

KOC • Kochi Airport • Terminal 1

EarthInternational

KOC • Kochi Airport • Terminal 3

Kolkata

2 lounges • 1 domestic • 1 international

2
TravelDomestic

KOL • Kolkata Airport • Terminal 1

TravelInternational

KOL • Kolkata Airport • Terminal 2

Mumbai

3 lounges • 2 domestic • 1 international

3
AdaniDomestic

MUM • Mumbai Airport • Terminal 2

LoyaltyInternational

MUM • Mumbai Airport • Terminal 2

TravelDomestic

MUM • Mumbai Airport • Terminal 1c

New Delhi

4 lounges • 3 domestic • 1 international

4
EncalmDomestic

NEW • New Delhi Airport • Terminal 1

EncalmDomestic

NEW • New Delhi Airport • Terminal 2

EncalmDomestic

NEW • New Delhi Airport • Terminal 3

EncalmInternational

NEW • New Delhi Airport • Terminal 3

Pune

1 lounges • 1 domestic • 0 international

1
EarthDomestic

PUN • Pune Airport • Terminal 1

Redemption Optimizer

20,000
Estimated points20,000per year
→
Estimated redemption value₹5,000@ ₹0.25 / point

Typical voucher/cash-like path

Voucher / statement-style value

Illustration only. Final value depends on issuer program terms, partner ratios, and redemption availability at time of use.

Key Benefits

  • Accelerated rewards on IRCTC booking spends
  • Railway lounge access and partner travel benefits
  • Fuel surcharge waiver on eligible fuel transactions

Things to Consider

  • Strongest returns are concentrated on IRCTC spends
  • General non-travel spend earn rate is moderate

About IRCTC SBI Card Premier

IRCTC SBI Card Premier is a points card from SBI, best for frequent irctc and train-travel users. It is tagged under travel, rewards, lifestyle categories in our database.

TravelRewardsLifestyle

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Frequently asked questions

Is IRCTC SBI Card Premier lifetime free?

It has an annual fee of ₹1499. Waived on ₹3L annual spend

What rewards does IRCTC SBI Card Premier offer?

Higher value on rail travel bookings with complimentary railway lounge perks.

Does IRCTC SBI Card Premier include lounge access?

IRCTC SBI Card Premier lists 19 lounge visits (13 domestic, 6 international).

Who should consider IRCTC SBI Card Premier?

Frequent IRCTC and train-travel users

Where can I apply for IRCTC SBI Card Premier?

Check the issuer website for application availability.