IRCTC SBI Card Premier, Rewards and Benefits, Joining Fees & amp; Charges, Apply Online

IRCTC SBI Card Premier: The IRCTC SBI Card Premier, a collaborative masterpiece between SBI Card and IRCTC, designed to revolutionize your travel and dining experiences. With a modest joining fee of Rs. 1,499, this card opens the doors to a world of exclusive benefits and rewards.

Upon joining, indulge in a welcome bonus of 1,500 Reward Points, setting the stage for a rewarding journey ahead. Every time you spend Rs. 125 on dining and utility, earn up to 3 Reward Points, ensuring that your everyday expenditures translate into tangible rewards.

Experience the epitome of travel luxury with exclusive benefits tailored for the discerning traveler. Enjoy complimentary railway lounge access every year, adding a touch of comfort and relaxation to your journeys. Additionally, unlock exciting benefits at over 5,000 hotels worldwide, ensuring memorable stays wherever your adventures take you. Save on railway and flight ticket bookings through IRCTC, making travel more affordable and accessible than ever before.

But the benefits don’t end there. Achieve milestone spends and earn up to 5,000 Reward Points every year, further enhancing your rewards potential. Moreover, make your credit card lifetime free by having your renewal fee waived annually upon reaching a minimum spend of Rs. 2 lakhs in an anniversary year.

With the IRCTC SBI Card Premier, saving becomes second nature. Discover a world of advantages that elevate your lifestyle and redefine your travel experiences. Explore the detailed information below to uncover all the benefits that await you.

Apply now and embark on a journey of unparalleled rewards and privileges with SBI Card and IRCTC.

Rewards and Benefits

• Movie & Dining:- Not applicable
• Rewards Rate:- Earn 3 reward points for every Rs. 125 spent on dining and utility expenses, and 1 reward point for every Rs. 125 spent on all other non-fuel purchases.
• Reward Redemption:- Redeem your reward points at the rate of 1 point = Re. 1, allowing you to offset expenses with your accumulated rewards.
• Travel:- Enjoy the luxury of 8 complimentary railway lounge accesses per year, providing a comfortable retreat during your travels.
• Golf:- Not applicable
• Domestic Lounge Access:- N/A
• International Lounge Access:- N/A
• Insurance Benefits:- Benefit from comprehensive insurance coverage, including protection against air accidents, railway accidents, and fraud liability cover, ensuring peace of mind during your travels.
• Zero Liability Protection:- Rest assured with zero liability protection, safeguarding you against any unauthorized transactions made through your card after promptly reporting its loss to the bank.

With its rewarding points system, travel perks, and comprehensive insurance coverage, the card offers a valuable companion for your financial needs and travel adventures.

Fees & Charges

• Spend Based Waiver:- Enjoy a renewal fee waiver upon reaching a spending milestone of Rs. 2 lakh, making it easier to continue enjoying the benefits of the card.
• Rewards Redemption Fee:- A nominal fee of Rs. 99 is charged for rewards redemption, ensuring convenience and flexibility in utilizing your accumulated points.
• Foreign Currency Markup:- For all your international transactions, a 3.5% foreign currency markup fee applies, ensuring seamless global transactions while traveling or making purchases abroad.
• Interest Rates:- Benefit from competitive interest rates of 3.5% per month, allowing you to manage your finances efficiently and responsibly.
• Fuel Surcharge:- Avail a 1% fuel surcharge waiver, providing savings on fuel expenses at participating fuel stations across the country.
• Cash Advance Charges:- For cash advances, a fee of 2.5% of the withdrawn amount or Rs. 500, whichever is higher, applies, ensuring access to emergency funds when needed.
• Add-on Card Fee;- Enjoy the convenience of adding supplementary cards to your account at no additional cost, allowing you to share the benefits of the card with your loved ones.

With its attractive features and transparent fee structure, the card offers a rewarding and hassle-free financial experience for cardholders.

Product Details

• Earn up to 3 Reward Points for every Rs. 125 spent, ensuring that every transaction contributes to your rewards balance. Additionally, earn 1 Reward Point per Rs. 125 spent on non-fuel retail purchases, maximizing your earning potential across various spending categories.
• Kickstart your journey with a generous welcome bonus of 1,500 Reward Points, setting the stage for rewarding experiences ahead. Reach new milestones and earn up to 5,000 bonus Reward Points, amplifying your rewards with each milestone achieved.
• Indulge in luxury with complimentary access to railway lounges, providing a serene retreat during your travels. Experience exclusive benefits at over 900 hotels worldwide, ensuring unforgettable stays wherever you go. Plus, earn up to 10,000 miles per night on hotel stays, further enriching your travel experiences.
• Enjoy the convenience of a spend-based renewal fee waiver, ensuring that your card remains accessible and cost-effective. Save more with a 1% fuel surcharge waiver, making every fuel transaction more economical.
• Experience peace of mind with exclusive insurance benefits, providing comprehensive coverage wherever your travels take you.
• Elevate your lifestyle with the IRCTC SBI Card Premier. Apply now and unlock a world of privileges and rewards with SBI Card and IRCTC.

IRCTC SBI Card Premier Rewards

Earn 1 Reward Point for every Rs. 125 spent on retail transactions. Get 3 Reward Points for every Rs. 125 spent on dining and standing instructions utility spends. No Reward Points are earned on fuel transactions.

Rewards Redemption

Redeem your Reward Points at the SBI Rewardz website for a variety of categories, including shopping, gifts, vouchers, and merchandise. 1 Reward Point is equivalent to Re. 1. A reward redemption fee of Rs. 99 is applicable per redemption request.

IRCTC SBI Card Premier Features

Welcome Benefits

Receive a welcome bonus of 1,500 Reward Points upon payment of the joining fee.

Milestone Benefits

Get 2,500 bonus Reward Points upon achieving total travel spends of Rs. 50,000 in the previous year. Receive 5,000 bonus Reward Points for achieving spending of Rs. 1 Lakh in an anniversary year.

Travel Benefits

Enjoy 8 complimentary railway lounge accesses every year (2 every quarter) as the primary cardholder. Access accommodation at over 5,000 hotels across 350 cities in India and exclusive benefits at over 900 hotels worldwide. Earn up to 10,000 miles per night on hotel stays and an additional 25% extra miles through Kaligo.com.

Insurance Benefits

Receive insurance coverage worth Rs. 50 lakhs against air accidents. Benefit from insurance coverage worth Rs. 10 lakhs against railway accidents. Get a fraud liability cover of Rs. 1 lakh.

Other Benefits

Save 1% on transaction charges on railway ticket bookings on IRCTC. Save 1.8% on transaction charges on airline ticket bookings on IRCTC.

Renewal Fee Waiver

Enjoy a renewal fee waiver of Rs. 1,499 if the cardholder spends over Rs. 2 Lakhs using the credit card in the previous year.

Fuel Surcharge Waiver

Avail a 1% fuel surcharge waiver on all fuel transactions between Rs. 500 and Rs. 4,000, with a maximum waiver of Rs. 250 per month.

How To Apply?

Apply for the IRCTC SBI Card Premier by visiting the nearest bank branch or completing the online application form:

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

IRCTC SBI Card Premier Review

With its impressive benefits, the IRCTC SBI Card Premier offers substantial savings opportunities. The value of 1 Reward Point being equivalent to Re. 1 is particularly advantageous. Upon card issuance, the joining fee of Rs. 1,499 is offset by the welcome bonus of 1,500 Reward Points, effectively reimbursing the joining fee.

Furthermore, the card offers annual savings of up to Rs. 5,000 through milestone benefits. Additionally, cardholders can enjoy savings on railway and airline ticket bookings, fuel transactions, hotel stays, and more. With such outstanding benefits, opting for the IRCTC SBI Card Premier is a wise choice. However, for individuals seeking a similar card with a lower annual fee, the IRCTC SBI Platinum Credit Card could be a viable alternative.