Key Features & Benefits
- ✦1 Reward Point per ₹125 on all eligible spends
- ✦1 Reward Point = ₹1 when redeemed on IRCTC (premium rate)
- ✦1.8% transaction surcharge waiver on IRCTC bookings
- ✦EaseMyTrip flight voucher worth ₹300 on joining
- ✦₹2,000 EaseMyTrip voucher on joining
- ✦1% fuel surcharge waiver
Advertisement
Welcome & Joining Benefits
- ✦350 bonus Reward Points on first transaction
- ✦₹100 cashback on first ATM withdrawal
Milestone Benefits
- ✦Check SBI Card website for current benefits
Pros & Cons
✓ Advantages
- ✓Very affordable — ₹300 annual fee
- ✓Good entry card for regular Indian Railways travellers
- ✓1 RP = ₹1 on IRCTC is premium rate vs standard SBI
✗ Disadvantages
- ✗No lounge access
- ✗Only 1 RP per ₹125 — low base rate
- ✗Best value locked to IRCTC ecosystem
Frequently Asked Questions
IRCTC Standard vs IRCTC Premier — which to choose?▼
Premier (₹1,499) gives 10% value back on IRCTC, 8 lounge visits, and railway lounge access. Standard (₹500) is basic for occasional train travellers. If you book 4+ train trips per year, Premier is worth the higher fee.
Advertisement