Travel
SBI IRCTC Premier Credit Card
SBI 7.3
CardTrail Score
Very Good
out of 10
Annual Fee
₹1,499
Spend ₹2L/year
Forex Markup
3.5%
Reward Rate
1%
Up to 10%
Lounge Access
4
domestic | 0 intl
About This Card
The SBI IRCTC Premier Credit Card is a travel-focused credit card from SBI with an annual fee of ₹1,499. It offers a base reward rate of 1.0% with up to 10.0% on select categories. Key perks include 4 complimentary lounge visits, fuel surcharge waiver. Best suited for frequent travellers.
Pros & Cons
Pros
- Competitive 1.0% reward rate
- Fuel surcharge waiver saves on petrol/diesel
- Easy EMI conversion on purchases
- Attractive welcome bonus: 350 Reward Points
Cons
- ₹1,499 annual fee may not suit light spenders
- 3.5% forex markup is above average
Fee Details
Annual Fee
₹1,499
Joining Fee
₹1,499
Fee Waiver Condition
Spend ₹2L/year
Fuel Surcharge Waiver
Yes
EMI Conversion
Yes
Reward Structure
Base Rate
1%
Max Rate
10%
Currency
IRCTC SBI Reward Points
Welcome Bonus
350 Reward Points
Lounge Access
Domestic Lounges
4
per quarter
International Lounges
0
Key Highlights
- + Annual fee ₹1,499 (waiver: Spend ₹2L/year)
- + Up to 10.0% rewards on accelerated categories
- + 4 domestic lounge visits per year
- + Fuel surcharge waiver at all pumps
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Quick Summary
Best For
travel
Annual Fee ₹1,499
Base Reward 1%
Max Reward 10%
Forex Markup 3.5%
Network Visa
Min Income ₹5L+
CardTrail Score
Best For
travel
