# IRCTC SBI Card Premier

SBI Card · Visa. ₹1,499 fee · 3.5% forex · 1 RP/₹125 all other (dom + intl).

✓ official · checked 16 July 2026 · Source: https://www.sbicard.com/sbi-card-en/assets/docs/pdf/key-fact-statement.pdf

## How it earns (4)

- 1 RP/₹125 all other (dom + intl) · ✓ official · checked 10 July 2026
- 10 RP/₹100 (10% value back) on irctc.co.in AC rail bookings (1AC/2AC/3AC/EC/CC) · Travel RP redeem at ₹1 for rail only · no cap · ✓ official · checked 2 October 2026
- 5 RP/₹125 on air.irctc.co.in and e-catering · air bookings capped at 750 RP/statement cycle · cap 750 points per statement cycle · ✓ official · checked 2 October 2026
- 3 RP/₹125 on dining · utility bills on standing instruction earn 3X separately · ✓ official · checked 10 July 2026

## On gift vouchers

- ₹80 back on a ₹10,000 voucher bought direct. · 1 RP/₹125 all other (dom + intl)
- Vouchers for Bharat Petroleum (BPCL), Google Pay (GPay), NoBroker Pay (rent) and 6 more brands: nothing.

Worked out on a ₹10,000 voucher with no deal running. Card data current to 21 October 2026.
Every card on vouchers: https://voucher.getbrief.cards/best-cards-for-vouchers

## What earns nothing (2)

- No RP on wallet loads · brand vouchers earn base (the issuer does not address them)
- No RP: fuel, rent, govt

## Milestones (2)

- 2,500 RP (₹2,500) @ ₹50K annual travel spend (travel agents and railways) · ₹2,500 at ₹50,000 spend per card year · ✓ official · checked 10 July 2026
- 5,000 RP (₹5,000, cumulative tier) @ ₹1L annual travel spend · ₹5,000 at ₹1,00,000 spend per card year · ✓ official · checked 10 July 2026

## Lounges (1)

- 8 railway lounge visits a year, at most 2 a quarter. Railway lounges only, not airports. · IRCTC Railway Lounge · domestic · 8 per year · checked 16 July 2026

## Fees

- Annual fee: ₹1,499 + GST
  Waived at ₹2,00,000 spend per card year
- Forex markup: 3.5%
- DCC markup: Not published
- Earns: IRCTC Reward Points (rail-locked) · ₹1 a point at baseline

## Dated changes (0)


Every change, dated: https://getbrief.cards/changes

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Fees are before GST. A rate that has aged says so. Brief is not a financial adviser and takes no fee from any bank for the order of this page.

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