IRCTC SBI Card Premier

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

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

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

Age

18+ years