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IRCTC SBI Card Premier Rewards

• For every Rs. 125 spent on retail transactions, you will get 1 Reward Point.
• You get 3 Reward Points on every spend of Rs. 125 on dining & standing instructions utility spends.
• You don’t get any Reward Points on fuel transactions.

Rewards Redemption

• You can redeem your reward points at the SBI Rewardz website against a variety of categories available there, including shopping, gifts & vouchers, merchandise, etc.
• 1 Reward Point = Re. 1.
• You have to pay a reward redemption fee of Rs. 99 per redemption request.

IRCTC SBI Card Premier Features

Welcome Benefits

You get a welcome bonus of 1,500 reward points after successfully paying the joining fee.

Milestone Benefits

• You get 2,500 bonus Reward Points on achieving a total travel spends of Rs. 50,000 in the previous year.
• 5,000 bonus reward points are credited to your account if you achieve spending of Rs. 1 Lakh in an anniversary year.

Travel Benefits

• The primary cardholder gets 8 complimentary railway lounge access every year (2 every quarter).
• Avail accommodation at more than 5,000 hotels in India across 350 different cities.
• Avail of exclusive benefits across over 900 hotels globally.
• Earn up to 10,000 miles every night on hotel stays and 25% extra miles through Kaligo.com.

Insurance Benefits

• You get insurance coverage worth Rs. 50 lakhs against an air accident.
• You get insurance coverage worth Rs. 10 lakhs against a railway accident.
• You get a fraud liability cover of Rs. 1 lakh.

Other Benefits

• You can save 1% on transaction charges on railway ticket bookings on IRCTC
• You can save 1.8% on transaction charges on airline ticket bookings on IRCTC.

Renewal Fee Waiver

If the cardholder spends an amount exceeding Rs. 2 Lakhs using his credit card in the previous year, the renewal fee of Rs. 1,499 will be waived.

Fuel Surcharge Waiver

• On all fuel transactions between Rs. 500 and Rs. 4,000, the cardholders will get a fuel surcharge waiver of 1%.
• The waiver amount is subject to a maximum of Rs. 250 per month.

How To Apply?

You can apply for the IRCTC SBI Card Premier by visiting the nearest bank branch or by filling out the online application form as follows:

• Click on ‘Apply Now’ on your screen.
• Fill in the required details and provide the necessary documents.
• Submit your application.

IRCTC SBI Card Premier Review

Keeping all its benefits in mind, it is clear that the IRCTC SBI Card Premier is a credit card with fantastic saving opportunities. One of its most significant advantages is the value of its 1 Reward Point is equivalent to Re.1. On issuance of the card, you pay a joining fee of Rs. 1,499, and you get 1,500 Reward Points (equal to Rs. 1,500). Hence, you are getting your joining fee back in the form of Reward Points.

Along with that, you can save up to Rs. 5,000 every year through the milestone benefits of this card. Moreover, you can save on your railway/airline ticket bookings, fuel transactions, hotel stays, and many more categories. With all such excellent benefits, you need not think twice before choosing the IRCTC SBI Card Premier. However, if you want a similar card with a lower annual fee, you can check the IRCTC SBI Platinum Credit Card.