IRCTC SBI Card Premier: The Perfect Travel and Train Lover Credit Card

Traveling by train is a unique experience with majestic sights on the way; that is why the IRCTC SBI Card Premier has made traveling more convenient. The card's travel perks, reward points, and refreshment offers allow one to travel seamlessly while also giving one an opportunity to earn rewards.

Overview

An Individual’s Interest towards traveling and the use of trains as a means of transport always goes hand in hand. Because of it's easy access, affordability, and comfort, trains are preferred by many people in India, be it for short holidays or long trips. If you are a train enthusiast, then the IRCTC SBI Card Premier is your best friend. The Indian Railway Catering and Tourism Corporation (IRCTC) has partnered with the State Bank of India (SBI) to launch the co-branded credit card.

It focuses on the needs of frequent train travellers by providing them with an extensive range of benefits.

This card is greatly advantageous because of its unique benefits: discounts on railway bookings, access to lounges, and other features that are specialized to travel.

Why Choose the IRCTC SBI Card Premier?

The IRCTC SBI Card Premier has welds a number of other including, but not limited to, travel focusded credit cards because of its unique offerings. Let us study the primary advantages and features that propels it into the spotlight for frequent travelers:

1. Reward Points and Cashbacks

With this card, every trip becomes a chance to garner exciting perks. Reward points are earned for each purchase carried out using the card and can be redeemed for a host of bolster options. And here is how to generate these points:

10% Value Back on Railway Ticket Bookings: Members benefit where they equitably earn 10% cash back for booking railway tickets through the centrally hosted website using IRCTC SBI Card Premier.

5% Value Back on E-Catering Orders: Order with the card and get an added bonus of 5% cash back (not to mention the travel).

3 Reward Points per ₹100 spent on eating out, spending in departmental stores, or even dealing with household utility payments.

Your daily purchases become even more interesting in this regard too. For retail shopping, you get 1 Reward Point for every ₹100 spent. These rewards accumulate rapidly and can be utilized for discounts or through the IRCTC portal for ticket reservations, meals, and much more.

2. Additional Exclusive Advantages for Travelers by Train

This credit card has a unique travel related advantage: the travel benefits are astounding. You have several augmenting privileges that make your travel seamless and enjoyable.

Lounge Access: The IRCTC SBI Card Premier permits access to more than 25 Railway lounges throughout India. Relax during the ride at select railway stations with guaranteed priority access to over 25 railway lounges across India. Relax within a railway lounge, for instance, you will qualify for 8 free visits to railway lounges a year, 2 per quarter. Those aged 60 and above get 8 free visits to all railway lounges each year.

Discounted railway fare: In addition, Cardholders discount 10% with each railway booking via the IRCTC window. This function is very important for travel because it cuts down the expenses greatly for those who travel a lot.

3. Fuel Surcharge Deduction

Also extends to motor vehicle users are these privileges provided by the IRCTC SBI Card Premier.

When the card is used to buy fuel, it gives users a 1% waiver on the fuel surcharge for transactions within the range of ₹500 and ₹4,000 at all petrol stations in India. Although the waiver is limited to ₹250 a month, it is still a unique proposition for md users who frequently refuel their cars.

4. Insurance Coverage

The other reason why the card is ideal for travelers is IRCTC SBI Card Premier's comprehensive insurance coverage. The card has the following insurance advantages attached:

Air Accident Insurance: The card provides cover for up to ₹50 lakh in the event of accidental death occurring while traveling by air.

Fraud Liability Insurance: You are covered for up to ₹1 lakh in case your card is used without authorization.

Rail Accident Cover: This is for death or injury while travelling by train and is paid out of the sum insured of ₹10 lakh.

These covers make your travel much more safer knowing that you're covered for unforeseen events.

5. Milestone Benefits

The IRCTC SBI Card Premier also offers milestone benefits which are rewarding to the users of the card. There are additional rewards for md users by increasing spending in a year.

Annual Spend of ₹50,000: This earns you an additional 2,500 reward point.

When you spend 1,00,000 INR in a year, you earn additional reward points making your spending even more valuable. Your renewal fee is waived, so you earn 7,500 reward points if you spend 2,00,000 INR in a year and this card becomes even more advantageous for frequent fliers.

6. Flexipay

With ease, you can manage your finances with the IRCTC SBI Card Premier because of the Flexipay feature. If you've made a purchase which is worth at least ₹2,500, you are eligible to have it converted into easy EMIs thereby aiding your financial planning and making the purchase less difficult.

7. Emergency Card Replacement

With every IRCTC SBI Card Premier, you no longer need to worry about losing your credit card while you are on holiday. The bank provides you with an emergency card replacement service if you misplace your card. With this feature, you can ensure access to funds while you travel.

8. Flexibility with Additional Cards

Add on cards are issued to the age of eighteen giving family members access to Spend on behalf of the head cardholder.This aspect is great if you want to extend the advantages of the card to your spouse, children, or even parents. For a family that travels often, this card is ideal because they can share the same benefits and rewards.

9. Additional Travel Benefits

The card also comes with a few other benefits for international travelers. These include:

Foreign Currency Markup: The IRCTC SBI Card Premier has a foreign currency markup fee of 3.5%, which is lower compared to other travel cards.

Travel Assistance Services: Cardholders have access to travel assistance services like emergency cash and card replacement both domestically and internationally.

Conclusion

If you frequently travel by train and are looking to get more value out of it, then the IRCTC SBI Card Premier would be incredibly helpful. Having a range of travel-centric rewards, insurance coverage, exclusive lounge access, and much more, this card undoubtedly provides great value. While booking railway tickets, dining at restaurants, or shopping for groceries, you are sure to earn rewards with the IRCTC SBI Card Premier.

Moreover, the card also comes with complete benefits such as milestone bonuses, fuel surcharge exemptions, and card replacement in case of emergencies. This card is especially for people who want to blend the pleasures of traveling with the benefits of a high-end credit card.