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Credit cards

Card Premier

A premium co-branded card offering 10% Reward Points value back on eligible AC rail fares, 1 point per ₹125 on non-fuel retail spends, premium travel privileges and a ₹1,499 annual fee with spend-based reversal.

Cashback / value back10 Reward Points per ₹100 on eligible online AC rail-ticket base fare; points are redeemed through the linked IRCTC loyalty programmeIRCTC Premier rewards10 Reward Points per ₹100 (10% value back) on eligible online AC1, AC2, AC3, Executive Chair Car and Chair Car ticket base fares; 1 Reward Point per ₹125 on eligible non-fuel retail spendsOffers and milestone benefitsRenewal fee reversed at ₹2 lakh preceding-year spend; railway and IRCTC reward benefits remain subject to the linked loyalty and fare terms
Official product page ↗Compare category

Quick eligibility check

Card Premier

0 of 9 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Are you aged 21 to 70?

Published source: Eligibility

2Do you meet this requirement: final approval is assessed by SBI Card?

3Does your annual income meet this requirement: The reviewed pages do not publish a universal rupee minimum-income threshold?

4Do you meet this requirement: The IRCTC Premier booklet requires registered IRCTC use, linked loyalty number and eligible fare classes?

5Do you meet this requirement: the complimentary air and rail accident covers were discontinued from 26 July 2025?

6Document checkDo you have this required document or proof: PAN Card?

Published source: Eligibility

7Document checkDo you have at least one of these required documents: Aadhaar Card with first 8 digits masked or another valid government address proof?

Published source: Eligibility

8Document checkDo you have at least one of these required documents: Income or employment documents when requested?

Published source: Eligibility

9Document checkDo you have this required document or proof: Recent photograph when requested?

Published source: Eligibility
0 of 9 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 1 Sept 2026 · active
Offered byState Bank of India

India, subject to Cards and Payment Services Limited approval

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Annual and renewal fee₹1,499 + applicable taxesView source
The current fee table lists ₹1,499 annual and renewal fees for Card Premier.
Source
Card Most Important Terms and Conditions
Page / section
Annual and renewal fee table — Card Premier
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Renewal-fee reversalRenewal fee reversed on preceding-year annual spends of ₹2 lakh or moreView source
The issuer fee table publishes the ₹2 lakh spend-based reversal condition.
Source
Card Most Important Terms and Conditions
Page / section
Annual and renewal fee table — Card Premier
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
IRCTC Premier rewards10 Reward Points per ₹100 (10% value back) on eligible online AC1, AC2, AC3, Executive Chair Car and Chair Car ticket base fares; 1 Reward Point per ₹125 on eligible non-fuel retail spendsView source
The booklet specifies eligible ticket classes, base-fare-only calculation and one point per ₹125 on eligible retail transactions.
Source
Card Premier booklet
Page / section
How to earn Reward Points — railway ticket and non-fuel retail purchases
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Card networkVisa or RuPay variant. The booklet describes acceptance at outlets displaying the Visa/RuPay logo and Visa/RuPay global assistance.View source
The card diagram and acceptance section identify Visa/RuPay variants and their logos.
Source
Card Premier booklet
Page / section
pp. 2–3 — Card features and worldwide acceptance
Accessed
8 Sept 2026
Confidence
high
Open official source ↗
Maximum annual finance chargeUp to 45% per annum for unsecured cardsView source
The issuer states 3.75% per month, equivalent to 45% per annum, for unsecured cards.
Source
Card Most Important Terms and Conditions
Page / section
Extended Credit — Finance Charges
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
EligibilityBasic SBI Card criteria: age 21–70, salaried or self-employed occupation, regular income and good credit profile; final approval is subject to SBI Card assessmentView source
The issuer lists age, occupation, regular income and good credit score as basic criteria.
Source
Card online application eligibility
Page / section
— How to check my credit card eligibility
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Insurance changeThe complimentary ₹50 lakh air-accident cover and ₹10 lakh rail-accident cover were discontinued with effect from 26 July 2025.Effective 26 Jul 2025View source
The booklet expressly says the ₹50 lakh air-accident and ₹10 lakh rail-accident covers were discontinued from 26 July 2025.
Source
Card Premier booklet
Page / section
pp. 46, 50 — insurance discontinuation notices
Accessed
8 Sept 2026
Confidence
high
Open official source ↗
Monthly finance chargeUp to 3.75% per month for unsecured cardsView source
The current publishes a maximum 3.75% monthly finance charge for unsecured cards.
Source
Card Most Important Terms and Conditions
Page / section
Extended Credit — Finance Charges
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Foreign-currency markup3.5% dynamic-currency-conversion fee under the current MITC general ruleView source
The lists a 3.5% dynamic-currency-conversion fee for cards outside its named lower-markup exceptions.
Source
Card Most Important Terms and Conditions
Page / section
Dynamic currency conversion fee
Accessed
1 Sept 2026
Confidence
medium
Open official source ↗
Cashback / value back10 Reward Points per ₹100 on eligible online AC rail-ticket base fare; points are redeemed through the linked IRCTC loyalty programmeView source
The booklet publishes ten points per ₹100 on eligible online AC ticket base fare.
Source
Card Premier booklet
Page / section
Railway ticket rewards
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Offers and milestone benefitsRenewal fee reversed at ₹2 lakh preceding-year spend; railway and IRCTC reward benefits remain subject to the linked loyalty and fare termsView source
The current fee table records the ₹2 lakh renewal reversal threshold.
Source
Card Most Important Terms and Conditions
Page / section
Card Premier fee row
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Railway lounge accessComplimentary railway-lounge access for the primary cardholder with a valid train ticket. Each visit includes up to 2 hours, air-conditioned seating, one buffet meal, unlimited tea and coffee, Wi-Fi, newspapers/magazines, washrooms and charging points. A ₹2 card validation charge applies; guests and services beyond the included facilities are chargeable.View source
The booklet requires an eligible card and valid train ticket, charges ₹2 to validate access, limits the included stay to two hours and lists the buffet, refreshments, Wi-Fi, washroom and charging facilities.
Source
Card Premier booklet
Page / section
p. 50 — Railway Lounge Program
Accessed
8 Sept 2026
Confidence
high
Open official source ↗
Add-on cardsAdd-on cards may be requested for a spouse, parents, siblings and children over 18 years of age.View source
The booklet lists the permitted family relationships and states that children must be over 18.
Source
Card Premier booklet
Page / section
p. 3 — Enhanced power to your family
Accessed
8 Sept 2026
Confidence
high
Open official source ↗
Rail-reward validity and transferRailway reward points are credited to the IRCTC loyalty account 5 days after the journey if the ticket is not cancelled, advanced, postponed or modified. From 26 December 2024, the points remain valid for 2 years from loyalty registration; monthly points are transferred on the 15th and the SBI Card balance resets after transfer.Effective 26 Dec 2024View source
The booklet states the five-day post-journey credit timing, two-year validity from registration and monthly transfer on the 15th.
Source
Card Premier booklet
Page / section
pp. 34–36, 53–55 — Reward-point terms and
Accessed
8 Sept 2026
Confidence
high
Open official source ↗

Benefits and features

  • 10 Reward Points per ₹100 on eligible online AC rail-ticket base fare
  • 1 Reward Point per ₹125 on eligible non-fuel retail spends
  • ₹1,499 renewal fee reversed at ₹2 lakh preceding-year spend
  • loyalty-account redemption
  • Visa or RuPay global acceptance

Eligibility

  • Card publishes age 21–70, salaried or self-employed occupation, regular income and good credit profile as basic criteria; final approval is assessed by Card.
  • The reviewed pages do not publish a universal rupee minimum-income threshold.
  • The Premier booklet requires registered use, linked loyalty number and eligible fare classes; the complimentary air and rail accident covers were discontinued from 26 July 2025.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

  • Card
  • Aadhaar Card with first 8 digits masked or another valid government address proof
  • Income or employment documents when requested
  • Recent photograph when requested

Related official documents

SBI Card current credit-card application catalogueofficial-product-catalogue · current · accessed 1 Sept 2026
↗
SBI Card online application eligibility and document requirementsofficial-eligibility-page · current · accessed 1 Sept 2026
↗
SBI Card Key Fact Statementkey-fact-statement · current · accessed 1 Sept 2026
↗
SBI Card Most Important Terms and Conditionsmost-important-terms-and-conditions · current · accessed 1 Sept 2026
↗
IRCTC SBI Card Premier bookletofficial-product-terms · current · accessed 1 Sept 2026
↗
IRCTC SBI Card Premier bookletofficial-product-booklet · current · accessed 8 Sept 2026
↗
IRCTC SBI Card Premier — official product pageofficial-product-page · current · accessed 1 Sept 2026
↗

Plan before applying

Try the numbers

Private, instant and based on the values you enter.

Try your numbers

Credit-card interest estimate

See roughly how much interest may be added if part of the card bill remains unpaid for one month.

Interest added for one month₹1,875one thousand eight hundred seventy-five rupees
Balance after that interest₹51,875fifty-one thousand eight hundred seventy-five rupees
Monthly rate × 1245%

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

Platinum Card · Annual / renewal fee₹500 / ₹500

This value is copied from card fee and reward comparison. Check the table notes before relying on it.

Source: Card Most Important Terms and Conditions and product sources · Annual and renewal fee table; product reward sections Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 2 rows · 5 columnsIRCTC SBI card fee and reward comparisonCurrent fee and product-page reward facts for the two reviewed IRCTC products.View tableHide table

Scroll sideways to view every column

IRCTC SBI card fee and reward comparison
ProductAnnual / renewal feeRailway rewardOther retail rewardLounge
Platinum Card₹500 / ₹500Up to 10% on eligible online AC fares1 point per ₹1254 railway visits per year; max 1 per quarter
Card Premier₹1,499 / ₹1,499; renewal reversed at ₹2 lakh spend10 points per ₹100 on eligible online AC base fare1 point per ₹125Product page terms to be confirmed from the current lounge programme
  • ticket rewards depend on linked loyalty account, eligible classes, online booking and base-fare conditions. The Premier booklet records discontinued accident covers separately.
Card Most Important Terms and Conditions and product sources · Annual and renewal fee table; product reward sections · accessed 1 Sept 2026Open official source ↗
Table 2 · 7 rows · 2 columnsIRCTC SBI Card Premier — railway lounge programmeFacilities and conditions published in the current booklet.View tableHide table

Scroll sideways to view every column

IRCTC SBI Card Premier — railway lounge programme
ItemPublished condition
Who can enterPrimary cardholder with eligible Card Premier and valid train travel ticket
Validation charge₹2 charged to the card account
Included stayUp to 2 hours per visit
Food1 buffet meal (breakfast, lunch or dinner)
Other included facilitiesAir-conditioned seating, unlimited tea/coffee, Wi-Fi, newspaper/magazine, washrooms and charging points
Guests and extrasGuest entry and services beyond the included facilities are chargeable
Child ruleChildren below 3 years may enter free; food and beverages may be charged by the operator
  • The booklet states that access is at the customer's own risk and subject to the participating lounge's limits.
Card Premier booklet · p. 50 — Railway Lounge Program · accessed 8 Sept 2026Open official source ↗

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