HDFC Doctor’s Superia Credit Card vs IRCTC SBI Platinum Card

• Avail 3 Reward Points for every Rs. 150 you spend. Accumulate Reward Points and redeem them for air miles on more than 20 international airlines or on any major domestic airline. You can also redeem your Reward Points for exciting gifts from an exclusive rewards catalogue, at the applicable redemption rate.
• Enjoy 50% more reward points on dinner spends.
• Doctor's Superia Credit Card provides protection worth up to Rs. 20 Lakh against costs arising due to professional negligence.
• Get first year fee reversed if you spend Rs. 15,000 in first 90 days of card set-up date and renewal fee reversed if you spend Rs. 1,00,000 in a year prior to the renewal date.

• Buy tickets through irctc.co.in & IRCTC Mobile App for AC1, AC2, AC3, Executive Chair car and Chair Car and earn up to 10% Value Back as Reward Points
• Get 1 Reward point for every Rs. 125 spent on non-fuel retail purchases, including railway ticket purchases at www.irctc.co.in and IRCTC Mobile App (Android only)
• Save 1% transaction charges on railway ticket bookings on www.irctc.co.in. Log on to irctc.co.in and avail exclusive travel privileges, book airline tickets with IRCTC at unbeatable prices. Avail wide range of tailor made packages ranging from adventure, wildlife, pilgrimage and leisure tours to various places in India. Avail accommodation at over 5,000 hotels, covering 350 cities in India
• 4 complimentary railway lounge access in a year to participating lounges in India (Max 1 per quarter)
• 1% fuel surcharge across all petrol pumps in India, on transactions between Rs. 500 - Rs. 3,000, exclusive of GST and other charge
• Save 1% transaction charges, exclusive of GST and all other charges, when booking railway tickets on irctc.co.in, using IRCTC SBI Platinum Card
• IRCTC SBI Platinum Card provides great offers on travel, golf, dining and other entertainment options from Visa                
• Withdraw cash from over 1 million Visa ATMs worldwide, including over 18,000 Visa ATMs in India and more than 10,000 State Bank ATMs spread across 100 cities in India
• With Flexipay, convert the transactions in easy monthly installments. Simply transact for Rs. 2,500 or more and log on to sbicard.com within 30 days of purchase to convert it into Flexipay
• Transfer the outstanding balance of your other bank’s credit card to IRCTC SBI Platinum Card, and avail a lower rate of interest and pay back in EMIs
• Use IRCTC SBI Platinum Card to book railway tickets online and get them delivered to your doorstep

Pros

• Renewal Benefit: 1000 reward points
• Any One Accident: Rs 4 Lakh & Deductible: Rs 25,000 for each & every claim
• Reward points validity: Reward points are valid only for 2 years from the date of accumulation.

Cons

• No golf/coaching sessions
• No complimentary Airport Lounge access

Pros

• Enjoy 4 complimentary railway lounge access in a year to participating lounges in India (Max 1 per quarter)
• 1% fuel surcharge across all petrol pumps in India, on transactions of Rs. 500 - Rs. 3,000, exclusive of GST and other charge
• Save 1% transaction charges, exclusive of GST and all other charges, when booking railway tickets on irctc.co.in, using IRCTC SBI Platinum Card

Cons

• Interest rate charges are bit high
• While the IRCTC SBI Platinum Card offer satisfactory rewards, there several other cards which give you better flexibility while booking flights from any airlines and yet gain reward points