Head-to-head · 🇮🇳 India
IRCTC SBI Premier vs SBI Prime
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
SBI Card
IRCTC SBI Premier
RuPay
Wins 6 of 10
IN
SBI Card
SBI Prime
Wins 3 of 10
Verdict
IRCTC SBI Premier wins 6-3. Frequent rail travelers — 10% IRCTC train ticket value back. SBI Prime is still the right call if step up from simplyclick with lounge access..
Side-by-side
| Criterion | IRCTC SBI Premier | SBI Prime |
|---|---|---|
| Annual fee | ₹1,499 | · ₹2,999 |
| Joining fee | ₹1,499 | · ₹2,999 |
| Top reward rate | 10% (travel) | · 5% (shopping) |
| Base reward rate | · 1% | 1.25% |
| Forex markup | · 4% | 3.5% |
| Welcome bonus | = 1,500 IRCTC reward points | = ₹3,000 e-gift voucher (Aditya Birla / Bata / Pantaloons / Yatra) |
| Fee waiver threshold | ₹200,000 / yr | · ₹300,000 / yr |
| Min income | ₹360,000 | · ₹480,000 |
| Min credit score | 720 | · 750 |
| Editorial rating | · 4/5 | 4.2/5 |
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 Prime
- 10x reward points on dining + grocery + departmental + movies
- 5x on utility bill payments
- 8 domestic + 4 international lounge visits/year
- Club Vistara Silver + Trident Privilege Red
FAQ
›IRCTC SBI Premier vs SBI Prime: which is better?
IRCTC SBI Premier wins on more dimensions (6 vs 3). 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 Prime 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 Prime: ₹3,000 e-gift voucher (Aditya Birla / Bata / Pantaloons / Yatra).