IRCTC SBI Card Premier 2025
Save up to ₹40,000+ every year with massive train rewards, railway + airport lounge & lowest forex!
If you travel by train frequently (especially AC classes), the IRCTC SBI Card Premier is the ultimate railway + travel card in India!
You get up to 10% value back on AC train tickets (1.8% fee waiver + 8% points), 8 airport + 8 railway lounge visits, 1,500 bonus points on joining, lowest 1.8% forex markup, free cancellation cover, and only ₹1,499 annual fee waived on ₹1.5 Lakh spend.
Reward points = Real Cash – 1 point = ₹1 on IRCTC, instant redemption!
Why This Is The Best Railway Card in 2025?
10% back on AC tickets • 8 airport + 8 railway lounge • 1.8% forex • ₹1,500 welcome • Fee waiver ₹1.5L • Free cancellation cover
Best for: Frequent train travellers, AC class passengers, railway lounge users, international travellers
Fee Waiver – ₹1,499 waived on ₹1.5 Lakh annual spend
Card At a Glance
₹1,499 + GST
₹1,499 + GST (Waived on ₹1.5L)
1,500 Bonus Points
10% AC tickets | 1.5% others
8 Airport + 8 Railway
1.8%
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | ₹1,499 + GST |
| Annual Fee | ₹1,499 + GST (Waived on ₹1.5L spend) |
| Welcome Benefit | 1,500 Bonus Points (₹1,500 value) |
| Foreign Currency Markup | 1.8% + GST (Lowest!) |
| Interest Rate | 3.75% per month |
| Fuel Surcharge Waiver | 1% (max ₹100/month) |
Detailed Reward Rates (2025)
- 10% value back on AC1/AC2/AC3/CC tickets via IRCTC (1.8% fee waiver + 8% points)
- 1.5% value back on all other spends
- 1 Reward Point = ₹1 on IRCTC booking
- 8 airport + 8 railway executive lounge visits per year
- Free ticket cancellation cover up to ₹1,500/year
Airport Lounge Access
8 complimentary domestic airport lounge + 8 railway executive lounge visits per year
Insurance & Protection Benefits
- ₹1 Lakh railway accident cover
- Free ticket cancellation insurance
- Zero lost card liability
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| 10% back on AC train tickets | ₹1,499 annual fee |
| 8 airport + 8 railway lounge | Rewards best only for train users |
| 1.8% lowest forex markup | |
| Free cancellation cover | |
| Fee waiver on ₹1.5L spend |
Eligibility Criteria & Documents Required
- Age: 21–60 years
- Minimum Income: ₹6 Lakh p.a.
- Credit Score: 700+
- Documents: PAN, Aadhaar, salary slip/ITR, bank statement
How to Apply Online (5-Minute Process)
- Visit SBI Card website → IRCTC Premier Card
- Click Apply Now → Fill details
- Upload documents → Video KYC
- Card delivered in 7–10 days
Final Verdict – Should You Get It in 2025?
If you travel by AC train even 5–6 times a year, IRCTC SBI Premier gives you 10% real cashback + 16 lounge visits (airport + railway) + lowest forex — easily ₹35K–40K+ value every year. Still the unbeatable champion for train lovers — Jai Hind!
Frequently Asked Questions (FAQs)
How much back on train tickets?
10% value back on AC1/AC2/AC3/CC tickets booked on IRCTC.
Railway lounge access?
Yes, 8 railway executive lounge visits per year.
Airport lounge?
8 domestic airport lounge visits per year.
Forex markup?
Only 1.8% — lowest among railway cards.