Sbi Irctc Premier
SBI Card
Sbi Irctc Premier
SBI Card
Annual Fee
₹1,499
Effective Rate
0.25%
Network
MASTERCARD
Point Value
₹0.25/pt
About Sbi Irctc Premier
10% value back on AC train ticket bookings via IRCTC. 8 domestic + 2 intl lounge. Annual fee reversal at ₹2L.
Best For
Pros & Cons
thumb_upPros
- check_circle8 Domestic + 2 International Lounge/Year
thumb_downCons
- cancelAnnual fee of ₹1,499 with no waiver option
- cancelForeign transaction fee applies on overseas spends
- cancelPoints redemption catalog may limit flexibility
Card Benefits
8 Domestic + 2 International Lounge/Year
8 domestic + 2 international lounge visits per year.
Fees & Charges
Key fees at a glance. For the complete schedule refer to the official Key Fact Statement (KFS) on the SBI Card website.
| Annual Fee | ₹1,499 |
| Forex Markup | As per issuer schedule |
| Interest Rate (APR) | Refer to KFS |
| Late Payment Charges | Refer to KFS |
| Cash Advance Fee | Refer to KFS |
Eligibility & Documents Required
Eligibility Criteria
- checkAge: 18–70 years (primary cardholder)
- checkMinimum annual income: As per bank norms
- checkCIBIL score: 750+ recommended
- checkEmployment: Salaried or self-employed Indian resident
Documents Required
- descriptionPAN Card (mandatory)
- descriptionAadhaar / Passport / Voter ID (address proof)
- descriptionSalary slips — last 3 months (salaried)
- descriptionLatest ITR or Form 16 (self-employed / salaried)
- descriptionBank statements — last 3 months
- descriptionPassport-size photograph
Frequently Asked Questions
Common questions about Sbi Irctc Premier.
Ready to apply for Sbi Irctc Premier?
Apply directly on the SBI Card website. Most decisions within 7–10 working days.
Affiliate disclosure: CreditBrain may earn a referral fee if you apply via our link. This does not affect our editorial independence.