What is Annual Fee and Renewal Fee of the card?

The Annual Fee of the card is Rs. 1,499 + taxes. The Renewal Fee is Rs. 1,499 + taxes from second year onwards.

Can I use my card internationally?

Yes, you can use your IRCTC SBI Card Premier at over 24 million outlets across the globe, including 3,25,000 outlets in India. You can withdraw cash from over 1 million Visa ATMs across the globe.

How can I apply for the card?

You can apply for an SBI Credit Card through our Website sbicard.com or via our Chatbot ILA. Alternatively, you can call SBI Card Helpline 39 02 02 02 (prefix your city STD code) or visit the nearest SBI branch.

Credit Cards

State Bank of IndiaVISA

IRCTC SBI Card Premier

TravelPremiumVisa✦ IRCTC

IRCTC SBI Card Premier

Free travel rewards for IRCTC bookings and everyday spending

Annual fee₹1,499Waived on ₹2.0L spend

Rewards0.64%0.8 Reward Point per ₹125

Forex markup3.5%3.5% on all foreign currency transactions

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Welcome benefits

worth ₹1,500

1,500 reward points worth ₹1,500

Type: Reward Points
Trigger: within 45 days

Rewards

Base earn rate

1 Reward Point per ₹125 spent on other non-fuel retail purchases

SBI Card Reward Points

Excludes: Fuel

Category	Rate	Cap
Dining	3 Reward Points per Rs. 125 spent on Dining	—
Utility Standing Instructions	3 Reward Points per Rs. 125 spent on standing instructions on Utility spends	—
Irctc Railway Tickets	Up to 10% value back as reward points on buying tickets through IRCTC App and Website for AC1, AC2, AC3, Executive Chair car and Chair Car	—
Air Tickets Irctc	5% back on Air ticket purchases on www.air.irctc.co.in	—
Ecatering Irctc	5% back on e-catering purchases on www.ecatering.irctc.co.in	—

• Reward Points are valid for a period of 24 months (for all cards except AURUM). For AURUM, Reward Points never expire.
• Redemption fee: ₹99

Milestone benefits

2,500 Reward Points on annual travel spends of Rs. 50,000 5,000 Reward Points on annual travel spends of Rs. 1 Lakh Spend based reversal of annual fee on spends of Rs. 2 Lakhs Spend Based Renewal Fee will be reversed within 30 days from Annual fee charged date. For the list of eligible MCCs for milestone benefits on travel spends, click here

Lounge access

Domestic

8visits / year

International

Not included

Railway lounge access — Included

8 complimentary railway lounge access in a year in India (max. 2 per quarter). Complimentary access to railway lounges will be applicable only for primary cardholders. Click here for FAQs on railway lounges

Fees & charges

Joining fee: ₹1,499 + taxes
Annual / renewal fee: ₹1,499 + taxes
Annual fee waiver: Spend based reversal of annual fee on spends of ₹2 Lakhs. Spend Based Renewal Fee will be reversed within 30 days from Annual fee charged date.
Add-on card fee: Nil
Interest rate: Finance Charges: 3.75% p.m. (45% p.a.) for unsecured cards; 2.75% p.m. (33% p.a.) for Shaurya, Defence Cards and Secured cards. Minimum Finance Charges ₹25
Interest-free period: 50 days
Cash advance fee: 2.5% of transaction amount (subject to a minimum of ₹500)
Overlimit fee: 2.5% of the overlimit amount that exceeds the credit limit or ₹600, whichever is higher, will be levied. Overlimit Fee will be levied only once per billing cycle.
Payment dishonour: In case of a Payment Dishonor, cardholder will be charged payment dishonor fee of 2% of Payment Amount subject to minimum charges of ₹500
Forex markup: 3.5% on all foreign currency transactions
DCC markup: 3.50%
Reward redemption: ₹99 per redemption
Fuel surcharge: 1% waiver, on ₹500–₹4000 txns, max ₹250/cycle

Late payment

Outstanding amount	Late fee
₹0 – ₹100	Nil
₹100 – ₹500	₹100
₹500 – ₹1,000	₹500
₹1,000 – ₹10,000	₹750
₹10,000 – ₹25,000	₹950
₹25,000 – ₹50,000	₹1,100
Above ₹50,000	₹1,300

View official MITC →

Insurance covers

Fraud liability

₹1L

Fraud Liability cover of Rs. 1 lakhs

Eligibility

Age: 18+ years

Features

✓ Contactless✓ Chip & PIN✓ International usage

Additional features

Easy Bill Pay Facility - Pay your electricity, telephone, mobile and other utility bills using the Easy Bill Pay facility

No rewards on

Fuel

Is this card worth it for you?

Your monthly spend

₹10,000₹5,00,000

Irctc railway tickets — 10% back

0% of spend100% of spend

Ecatering irctc — 4% back

0% of spend100% of spend

Remaining 65% of spend earns the 0.8% base rate.

Rewards / year

₹18,720

≈ 3.12% effective

Annual fee

₹0 (waived)

waived at ₹2,00,000/yr spend

Net steady-state return

+₹18,720/year

Strong fit at this spend

At ₹50,000/month, rewards outrun the fee by ₹18,720 a year.

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One-time joining fee (year 1 only): ₹1,499

One-time welcome benefit: ~₹1,500 — 1500 Reward Points (equivalent to Rs.1,500) credited on payment of the first annual fee; welcome gift eligible only post payment/realization of the annual fee.

Based on published rates as of 2026-08-07; assumes 1 Reward Point = INR 1 per issuer T&C, stated as the statement-debit adjustment conversion value (“1 Reward point = INR 1”); IRCTC SBI Card Premier points are transferred monthly to the IRCTC loyalty account for redemption toward railway/complimentary tickets.. Rewards estimates, not guarantees.