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IRCTC SBI Card Premier vs SBI Card MILES PRIME Compared

Which credit card suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero. Data last verified: 11 October 2026.

IRCTC SBI Card Premier versus SBI Card MILES PRIME compared
FeatureIRCTC SBI Card PremierIRCTC SBI Card PremierState Bank of India5 recent changes →
SBI Card MILES PRIMESBI Card MILES PRIMEState Bank of India4 recent changes →
Rewards by spend
Rewards0.8% base, up to 2.4% on dining; 8% only at partner merchants0.5% base, up to 1% on travel
UPI payments (scan and pay)sameEarns nothingEarns nothing
Online shopping0.8%0.5%
Dining and food delivery2.4%0.5%
Groceries0.8%0.5%
Travel: flights, hotels, trains0.8%; 8% only at IRCTC1%
FuelsameEarns nothingEarns nothing
Bills and recharges2.4%Earns nothing
RentsameEarns nothingEarns nothing
Insurance premiums0.8%Earns nothing
School and college fees0.8%Earns nothing
Wallet top-upssameEarns nothingEarns nothing
Taxes and government paymentsEarns nothingNot stated
Spend abroad or in a foreign currency0.8%0.5%
Everything else0.8%0.5%
Card identity
Card typesameTravelTravel
NetworkVisaMastercard
Card tierMidPremium
Fees
Joining fee₹1,499 + GST₹2,999 + GST
Annual fee₹1,499 + GST₹2,999 + GST
Fee waived at₹2,00,000₹10,00,000
Eligibility
Min age-21 years
Max age-70 years
Employment type-BOTH
Rewards
Reward typeReward pointsAir miles
Point valuesame₹1₹1
Fuel surcharge
Fuel surcharge waiversameYesYes
Fuel waiver capsame₹250₹250
Lounge access
Domestic lounge visits08
International lounge visits04
Railway lounge visits8-
Lounge programme-PRIORITY_PASS
Priority PassNoYes
Lounge condition8 complimentary railway lounge visits a year (2 per quarter) at participating stations8 domestic airport lounge visits/year (max 2/quarter) plus Priority Pass with 4 international visits/year. 1 extra domestic visit per ₹1 lakh spend, capped at 12/year. Priority Pass free for first 2 years
Forex and international
Forex markup3.5%2.5%
Interest and charges
Interest rate (monthly)-3.75%
Interest rate (annual)-45%
Page content
Documents needed-PAN card Aadhaar / address proof Income proof (salary slips or ITR) Recent passport-size photograph
ApplyApply NowApply Now

Worth in Rupees at ₹20,000 a Month

IRCTC SBI Card Premier
Rewards a year
₹2,880
Fee a year
₹0
You keep
₹2,880
SBI Card MILES PRIME
Rewards a year
₹1,500
Fee a year
- ₹3,539
You keep
- ₹2,039

At this spend, IRCTC SBI Card Premier comes out ₹4,919 a year ahead of SBI Card MILES PRIME. Worked out from each card's published reward rate, caps and fee, on ₹20,000 a month. Your own spend changes the answer: try the rewards calculator.

Best For

IRCTC SBI Card Premier
  • Travel only at IRCTC: 8% back
  • Dining: 2.4% back
  • Spending ₹16,667 or more a month: the ₹1,769 fee is waived
  • Flyers: some airport lounge visits a year
SBI Card MILES PRIME
  • Frequent flyers
  • People who spend heavily on travel
  • Travellers who want Priority Pass access

Watch-Outs

IRCTC SBI Card Premier
  • Skip it if you spend less than ₹16,667 a month (₹2,00,000 a year, rent and wallet loads not counted): the ₹1,769 fee is then charged
  • Skip it if most of your spending is fuel, rent, wallet top-ups or government payments: those earn nothing on this card
  • Skip it if you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
  • Skip it if you rarely spend on IRCTC: the 8% rate applies only there, everything else earns 0.8%
SBI Card MILES PRIME
  • Fee waiver needs Rs 10 lakh a year, which most people will not reach
  • Base return of about 0.5% is low
  • Credits are worth the most only when redeemed for travel

Card data sourced via CardAdvisor.in (IRCTC SBI Card Premier, SBI Card MILES PRIME), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

Questions People Ask

Which has the lower annual fee, IRCTC SBI Card Premier or SBI Card MILES PRIME?

IRCTC SBI Card Premier. IRCTC SBI Card Premier: ₹1,499; SBI Card MILES PRIME: ₹2,999. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

SBI Card MILES PRIME has the lowest forex markup. SBI Card MILES PRIME: 2.5%; IRCTC SBI Card Premier: 3.5%. The markup is charged on every foreign-currency transaction, before GST.

Which earns more on everyday spending?

On spends outside any bonus category: IRCTC SBI Card Premier 0.8%, SBI Card MILES PRIME 0.5%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.

Which gives airport lounge access?

IRCTC SBI Card Premier: no complimentary lounge visits; SBI Card MILES PRIME: 8 domestic lounge visits a year. Some cards need a minimum spend in the quarter before a visit counts, so check the lounge terms.

Can I hold more than one of these cards?

Usually yes, if each bank approves you. Many people keep one card for everyday spending and another for a specific use such as travel. Each application is a separate credit check.

Work Out the Numbers

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