Head-to-head · 🇮🇳 India
SBI Prime vs SBI IRCTC Premier
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
SBI Card
SBI Prime
Wins 1 of 10
IN
SBI Card
SBI IRCTC Premier
VISA
Wins 6 of 10
Verdict
SBI IRCTC Premier wins 6-1. Heavy IRCTC train booking users. SBI Prime is still the right call if step up from simplyclick with lounge access..
Side-by-side
| Criterion | SBI Prime | SBI IRCTC Premier |
|---|---|---|
| Annual fee | · ₹2,999 | ₹1,499 |
| Joining fee | · ₹2,999 | ₹1,499 |
| Top reward rate | · 5% (shopping) | 10% (travel) |
| Base reward rate | = 1.25% | = 1.25% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = ₹3,000 e-gift voucher (Aditya Birla / Bata / Pantaloons / Yatra) | = 1,500 reward points + waived first-year fee on ₹1L spend |
| Fee waiver threshold | · ₹300,000 / yr | ₹200,000 / yr |
| Min income | · ₹480,000 | ₹300,000 |
| Min credit score | · 750 | 740 |
| Editorial rating | 4.2/5 | · 3.9/5 |
Benefits compared
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
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
›SBI Prime vs SBI IRCTC Premier: which is better?
SBI IRCTC Premier wins on more dimensions (6 vs 1). 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 SBI Prime 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?
SBI Prime: ₹3,000 e-gift voucher (Aditya Birla / Bata / Pantaloons / Yatra). SBI IRCTC Premier: 1,500 reward points + waived first-year fee on ₹1L spend.