IRCTC SBI Card Premier
3 points per ₹125 eligible restaurant purchase, 1 point per ₹125 ordinary retail; ₹1/point only toward eligible AC rail ticket fare.
Try your spend →How this estimate works
IRCTC SBI Card Premier earns 3 points per ₹125 at qualifying dining MCCs 5812, 5813 and 5814 and on utilities paid by standing instruction. It earns 1 point per ₹125 on eligible ordinary retail. Only the dining and ordinary retail routes are scored: a generic utility chip cannot establish a standing instruction. Air tickets and e-catering via the IRCTC portals earn 5 per ₹125 (air capped at 750 points per monthly statement), and eligible AC train bookings can earn up to 10% points with travel-date, passenger, booking and ticket rules. Generic travel or train chips cannot prove those conditions, so these boosts and the railway booking-charge waiver are not scored. Points transfer to the linked IRCTC loyalty account and redeem at ₹1 per point only toward an eligible AC ticket fare, not as statement cash. The loyalty scheme requires enough points for the qualifying ticket, points expire after two years, and cancellation can forfeit points. Fuel, wallet loads, rent, government transactions and EMI are excluded or unverified. ₹1,499+estimated GST annual fee is deducted; the ₹2 lakh prior-year renewal waiver, welcome 1,500 points, milestones, lounge access and fee waivers are omitted. Verify fare eligibility and account linkage before treating this estimate as usable.
Issuer terms
Issuer card-specific points and exclusions · Issuer fee and renewal waiver · IRCTC loyalty redemption and card benefits
Terms checked 29 September 2026. ₹1/point is restricted to eligible IRCTC ticket redemption, not statement cash.