Are you a regular traveler? Do you want to make your travel more exciting and more rewarding? Don’t look further than the IRCTC SBI Card Premier Credit Card, which is specially designed for regular travelers. Also, it offers multiple travel and other benefits that can make your travel experience more enjoyable and cost-effective. In this article, we’ll discuss and take a closer look at the benefits of IRCTC SBI Card Premier and how to apply for it.

Benefits of IRCTC SBI Card Premier

Benefits of IRCTC SBI Card Premier

This card comes with several daily and travel benefits, and they are as follows:

Welcome Benefits

With IRCTC SBI Card Premier, cardholders will get a welcome benefit of 1,500 RPs as soon as they pay the joining fee of their SBI Card. You can simply redeem these reward points and get a cashback or use these points for various partnered brands to get a discount on them.

Rewards with IRCTC SBI Card Premier

Through this card, you will get 1 RP for every Rs. 125 spent on retail payments. 3 RP on every spend of Rs. 125 on dining and utility bills.

You can simply redeem these reward points at the SBI Rewardz website for a variety of categories like shopping, gift vouchers, merchandise, etc. Where 1 RP is equal to Rs. 1, so if you have 500 RPs, then you can easily redeem these points in rupees or get a shopping gift voucher. Also, there is a reward redemption fee of Rs. 99 per redemption request.

Milestone Benefits

Several Cards give milestone benefits in which cardholders need to reach a certain spending milestone, and they get various benefits accordingly. With IRCTC SBI Card Premier, you will get 2,500 RPs on achieving a total travel spend of Rs. 50,000 in the previous year. Also, 5,000 RPs will be credited on spending Rs. 1 lakh in an anniversary year.

Travel Benefits

IRCTC SBI Card Premier also provides travel benefits for those who love to travel or travel regularly for some reason. Cardholders will get 8 complimentary railway lounge access every year, which is two lounges per quarter. Also, you can avail yourself of travel benefits at more than 5,000 hotels in India across more than 300 cities.

Cardholders can also get 10,000 miles each night on hotel bookings and 25% extra miles through

Insurance Benefits

Safety is the first priority, especially when you go somewhere else, and for that, IRCTC SBI Card Premier provides insurance coverage worth Rs. 50 lakhs against air accidents. Also, the SBI IRCTC Card gives insurance coverage for railway accidents worth Rs. 10 lakhs and a fraud liability coverage of Rs. 1 lakh.

How to Apply for IRCTC SBI Card Premier Credit Card?

If you’re interested in applying for the IRCTC SBI Card Premier Credit Card, you can apply for it online or visit any SBI Branch. To apply online, visit the SBI website, fill out the application form, and submit it along with the necessary documents.

Also Read: What are the Key Benefits of One Card?


If you travel on a regular basis, then IRCTC SBI Card Premier is the best choice for those who want to make their travel more rewarding. With various benefits and offers, you can make your travel experience more comfortable, enjoyable, and cost-effective. If you’re a traveler, then consider applying for this credit card.

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