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SBI

SBI IRCTC Premier Credit Card

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Annual Fee

₹1,499

Reward Type

Points

Forex

1%

Lounge

∞ dom · 0 intl

Full Spec Sheet

Multi-source Verified

Fees

Joining Fee₹1,499
Annual Fee₹1,499

Rewards

Reward TypePoints
Base Rate1.5%
Point Value₹0.25/point

Category Multipliers

irctc10%(cap ₹1,500)

Redemption Values

statement credit₹0.25/pt

Travel & Global

Forex Markup1%
Domestic LoungeUnlimited ✓
Intl. LoungeNone
Lounge NetworkDomestic RuPay

India-Specific

Fuel Surcharge✓ 1% waiver

Similar Cards

Kotak Veer Platinum (98%) →Axis Privilege (97%) →HDFC Diners Club Privilege (96%) →IndusInd Pioneer Heritage Credit Card (95%) →Kotak Zen (95%) →

💡 Fee Waiver Strategy

Spend ₹1,00,000 annually to waive the annual fee.

⚖️ Breakeven Analysis

To recover the ₹1,499 annual fee at the base reward rate of 1.5%, you need to spend ₹99,934 annually.

🎯 Pro Tips

  • ▸Maximize dining rewards by using the card at partner restaurants.
  • ▸Use the card for online shopping to earn additional points.
  • ▸Pay utility bills with this card to earn rewards on regular expenses.

📊 Spend Profile Simulator

Spend Profile Simulator

Net Annual Value

+₹3,001

Effective Rate

0.3%

Ranked #125 of 173 cards#125

₹1,499 annual fee deducted from gross rewards value.

🔄 Redemption Pathways - Value per Point

MethodValue
IRCTC Booking DiscountBEST₹0.25/pt

🏷️ Best For

travellifestyledining