SBI Card · Mid
IRCTC SBI Card Premier
Where it ranks across all 187 cards
#2 Train tickets
10.0%
direct
#11 Utility bills
2.4%
direct
#28 Dining out
2.4%
direct
#36 EMI
0.8%
direct
#43 Insurance
0.8%
direct
#45 Education
0.8%
direct
#67 Jewellery & watches
0.8%
direct
#75 Gaming
0.8%
direct
#82 Mobile / broadband
0.8%
direct
#94 Cabs & transit
0.8%
direct
#100 Other
0.8%
direct
#101 Health & pharmacy
0.8%
direct
#104 Electronics
0.8%
direct
#108 Hotels
0.8%
direct
#109 Flights
0.8%
direct
#112 Online shopping
0.8%
direct
#113 Fashion
0.8%
direct
#114 Food delivery
0.8%
direct
#115 Movies & events
0.8%
direct
#116 Groceries
0.8%
direct
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Each SBI Card Travel reward point shall be equivalent to `1/-. This conversion ratio is subject to change at the sole discretion of SBICPSL, redeemable against IRCTC AC-class rail ticket fares.
Points valued at ₹1/pt - conservative, what rankings use
Reward rules4 direct
Base rate - everything not covered below
0.80%base rate
1 pt / ₹125
source
Source: SBI Card - IRCTC SBI Card Premier Terms & Conditions - sbicard.com - read 2 Oct 2026
3 pts / Rs 125 on dining and utility bills paid by standing instruction
2.40%this rule
3 pts / ₹125
source
Source: SBI Card - IRCTC SBI Card Premier Terms & Conditions - sbicard.com - read 2 Oct 2026
5 pts / Rs 125 on IRCTC's own Air and e-catering bookings
4.00%this rule
5 pts / ₹125
source
Source: SBI Card - IRCTC SBI Card Premier Terms & Conditions - sbicard.com - read 2 Oct 2026
Up to 10 pts / Rs 100 (10% value back) on AC-class IRCTC rail tickets
10.00%this rule
10 pts / ₹100
source
Source: SBI Card - IRCTC SBI Card Premier Terms & Conditions - sbicard.com - read 2 Oct 2026
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
Earns nothing on4 exclusions
Fuel
earns nothing
Petrol pump / service station spends earn no Reward Points.
→ use Kotak Cashback+ Credit Card here (3.0%)
detail & source
categories: Fuel · MCCs: 5172, 5541, 5983, 5542
Source: SBI Card - IRCTC SBI Card Premier Terms & Conditions - sbicard.com - read 2 Oct 2026
Wallet load
earns nothing
E-wallet loading transactions earn no Reward Points, w.e.f.
→ use SC Ultimate here (3.3%)
detail & source
1 July 2020.
categories: Wallet load · MCCs: 6540, 6541
Source: SBI Card - IRCTC SBI Card Premier Terms & Conditions - sbicard.com - read 2 Oct 2026
Rent
earns nothing
Rent payment transactions stopped earning Reward Points w.e.f.
→ use Axis Burgundy Private here (5.2%)
detail & source
15 Apr 2024.
categories: Rent · MCCs: 6513, 7349
Source: SBI Card - IRCTC SBI Card Premier Terms & Conditions - sbicard.com - read 2 Oct 2026
Government / tax
earns nothing
Government related transactions stopped earning Reward Points w.e.f.
→ use Biz Black Metal Edition Credit Card here (3.3%)
detail & source
15 July 2024.
categories: Government / tax · MCCs: 9399, 9311
Source: SBI Card - IRCTC SBI Card Premier Terms & Conditions - sbicard.com - read 2 Oct 2026
Perks the card unlocks at these places, beyond its earn rate. They never change a ranking - check the bank page before you count on one.