The IRCTC SBI Card Premier Visa Signature has a ₹1,499 annual fee (waived on ₹2 lakh annual spend), earns 1 Reward Points Per ₹125 Spent on Retail, includes 8 railway lounge visits a year and charges a 3.5% forex markup.
| Annual fee | ₹1,499 |
|---|---|
| Annual fee waived | On ₹2 lakh annual spend |
| Base rewards | 1 Reward Points Per ₹125 Spent on Retail |
| Lounge access | 8 railway lounge visits a year |
| Forex markup | 3.5% |
From issuer benefit data, checked 22 Oct 2026. Base rewards is the general earn rate; category and partner rates are under Key Benefits.
Key Benefits
Live offers on this card
221 online offers across 161 brands right now, each valid for at least another 7 days. Checked 22 Oct.
- Croma: Rs.12000 Discount · till 31 Oct
- Yatra: Upto Rs.1800 off · till 31 Dec
- Air India: Get additional Rs.1000 off · till 31 Dec
- EaseMyTrip: Get Rs.1000 off · till 31 Dec
- Paytm: Save 50% · till 30 Dec
These are SBI Cards's own offers and Visa network offers, so they apply to every SBI Cards Visa card, not just this one. All SBI Cards offers by category.
More about the Irctc Sbi Card Premier Visa Signature Credit Card
Is the Irctc Sbi Card Premier Visa Signature Credit Card worth it in 2026?
Yes, this card is worth it in 2026 for frequent IRCTC users and travelers. It offers 5% back on E-Catering purchases on IRCTC and up to 10% value back as reward points, along with 8 complimentary railway lounge accesses annually. The Rs.1499 annual fee is waived on spending Rs.2 lakhs.
Who should get the Irctc Sbi Card Premier Visa Signature Credit Card?
This card is ideal for frequent railway travelers and IRCTC users who spend on dining, utilities, and retail. It suits those who want to earn reward points on travel milestones and enjoy railway lounge access, maximizing benefits on railway-related expenses.
How to maximise rewards on the Irctc Sbi Card Premier Visa Signature Credit Card?
Maximise rewards by using the card for IRCTC E-Catering to earn 5% back, dining and utility spends to earn 3 reward points per Rs.125, and retail spends for 1 reward point per Rs.125. Also, aim to reach travel milestones to earn up to 5000 reward points.
Is the Irctc Sbi Card Premier Visa Signature Credit Card better than a top competing premium card?
It is better for users focused on IRCTC and railway benefits, offering specific rewards like 5% back on E-Catering and 8 complimentary railway lounge accesses. However, for broader premium benefits, other cards may offer higher rewards outside railway spends.