Head-to-head · 🇮🇳 India
IRCTC SBI Premier vs SBI IRCTC Premier
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
SBI Card
IRCTC SBI Premier
RuPay
Wins 2 of 10
IN
SBI Card
SBI IRCTC Premier
VISA
Wins 3 of 10
Verdict
SBI IRCTC Premier wins 3-2. Heavy IRCTC train booking users. IRCTC SBI Premier is still the right call if frequent rail travelers — 10% irctc train ticket value back..
Side-by-side
| Criterion | IRCTC SBI Premier | SBI IRCTC Premier |
|---|---|---|
| Annual fee | = ₹1,499 | = ₹1,499 |
| Joining fee | = ₹1,499 | = ₹1,499 |
| Top reward rate | = 10% (travel) | = 10% (travel) |
| Base reward rate | · 1% | 1.25% |
| Forex markup | · 4% | 3.5% |
| Welcome bonus | = 1,500 IRCTC reward points | = 1,500 reward points + waived first-year fee on ₹1L spend |
| Fee waiver threshold | = ₹200,000 / yr | = ₹200,000 / yr |
| Min income | · ₹360,000 | ₹300,000 |
| Min credit score | 720 | · 740 |
| Editorial rating | 4/5 | · 3.9/5 |
Benefits compared
IRCTC SBI Premier
- 10% rewards on IRCTC train ticket bookings
- 4 reward points per ₹125 on dining + groceries
- Up to 5% railway lounge access discount
- 8 complimentary domestic airport lounge visits/year
- 4% forex markup (high — not for international)
SBI IRCTC Premier
- 10% IRCTC reward points on train ticket bookings
- 1.25% on other spends
- 4 IRCTC lounge visits/year
- 1% transaction fee waiver on IRCTC site
FAQ
›IRCTC SBI Premier vs SBI IRCTC Premier: which is better?
SBI IRCTC Premier wins on more dimensions (3 vs 2). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use IRCTC SBI Premier for its best categories, SBI IRCTC Premier for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
IRCTC SBI Premier: 1,500 IRCTC reward points. SBI IRCTC Premier: 1,500 reward points + waived first-year fee on ₹1L spend.