SBI IRCTC Premier
Heavy IRCTC train booking users.
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5-year value calculator
How much SBI IRCTC Premier actually pays you over time, net of annual fees.
Includes 40% in this card's boost category, 60% general spend.
Estimates use the card's published rates and a 40/60 boost-vs-general split. Real returns vary with how tightly your spend matches each card's boost categories.
Reward rates
What you earn back, by category.
1,500 reward points + waived first-year fee on ₹1L spend
What you get
- 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
Eligibility
These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.
Best SaaS to pay with the SBI IRCTC Premier
The SaaS subscriptions where SBI IRCTC Premier earns the most for you — ranked by net annual savings vs a default 3.5%-forex retail card. If your stack covers all six, the modelled savings stack to ≈ ₹30,409/yr.
Greenhouse
1.25% rewards on hr category — better than the 1% default.
Drift
1.25% rewards on crm category — better than the 1% default.
Vanta
1.25% rewards on engineering category — better than the 1% default.
Drata
1.25% rewards on engineering category — better than the 1% default.
WorkOS
1.25% rewards on auth category — better than the 1% default.
dbt
1.25% rewards on database category — better than the 1% default.
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