IRCTC SBI Card Premier
IRCTC SBI Card Premier from SBI Card is covered here with fees, rewards, benefits, exclusions, fuel/forex charges and Zlash's practical verdict for Indian users.
Annual fee: Rs 1,499 | Reward type: Reward Points | Best for: Travel, Dining, Utility Bills
Estimated value per Rs 100 of eligible spend.
IRCTC SBI Card Premier Overview
IRCTC SBI Card Premier is a SBI Card credit card. Base reward value is about Rs 0.8 per Rs 100 of eligible spend. Zlash checks boosted categories like dining, utility bills along with caps and exclusions.
Best For
IRCTC SBI Card Premier is most useful when your spends regularly fall into dining, utility bills.
Rewards
dining
3x the base reward rate.
utility bills
3x the base reward rate.
Not Good For
- Spends in excluded categories such as fuel.
- International transactions if you need low forex markup; this card lists 3.5% markup.
Welcome And Travel Benefits
Welcome: Welcome benefits are listed in extracted facts; verify current issuer terms before applying.
Travel: Travel benefit is listed in extracted facts; confirm access rules with the issuer before relying on it.
Fuel And Forex Charges
1% fuel surcharge waiver on eligible fuel transactions.
3.5% foreign currency markup.
Reward Exclusions
Milestone Benefits
- Spend Rs 50,000 in a yearly period for benefit value around Rs 2,500.
- Spend Rs 1,00,000 in a yearly period for benefit value around Rs 5,000.
Zlash Verdict
Choose this card when travel, dining, utility bills match your normal spend pattern. Skip it for categories that are excluded from rewards or where another card gives a cleaner direct discount.
This page is generated from normalized card facts, not copied review prose. Zlash uses this structure so card data can power both public SEO pages and future in-app card detail views.
FAQ
What is the annual fee of IRCTC SBI Card Premier?
The listed annual fee is Rs 1,499.
What is IRCTC SBI Card Premier best used for?
IRCTC SBI Card Premier is most useful when your spends regularly fall into dining, utility bills.
Does IRCTC SBI Card Premier have reward exclusions?
Yes. The extracted exclusions include fuel.
How does Zlash use this card data?
Zlash uses fee, reward, cap and exclusion facts to estimate effective prices after eligible payment rewards.