HSBC Visa Platinum Credit Card vs IRCTC SBI Card Premier

Joining Fees

₹0

₹1,499

Editor's Rating

4.3

3.5

Key Features

  • Nil joining and annual fees
  • As welcome offer, when applying for the credit card online and verifying yourself, obtain an Amazon e-gift voucher worth Rs. 250. Spend at least Rs. 5,000 in the first 30 days and win Amazon vouchers worth Rs. 500 (Introductory offers are valid from 1 Jan 2024 till 30 June 2024)
  • Convert the points into air miles with Club Vistara, Air India's Flying Returns, Etihad Airways, British Airways and Singapore Airlines
  • Up to Rs. 3,000 annual savings on fuel surcharge with credit card waiver
  • Avail 2 Reward points for every Rs. 150 spends
  • Avail 5X the reward points on any purchase made after spending Rs. 4,00,000 subject to a maximum cap of 15,000 accelerated reward points in an anniversary year
  • Zero liability for lost cards- Get insurance coverage for any misuse of the card from 24 hours before reporting it lost, up to Rs. 300,000
  • Transfer outstanding balances from other bank credit cards to HSBC credit card and repay in easy monthly installments at a lower interest rate
  • Get exclusive access to discounts with selected partners
  • If the credit card gets lost, simply cancel it and the bank will issue an emergency card anywhere in the world – it'll only take 3 days
  • Cardholder can also be able to take out cash advances, get global access to its accounts, and manage its money on-the-go with 24/7 online access to its account
  • Get 10% back on AC1, AC2, AC3, Executive Chair car and Chair Car as reward points for ticket purchases on www.irctc.co.in and IRCTC Mobile App 
  • Get 5% back on Air ticket purchases on www.air.irctc.co.in
  • Get 5% back on E-catering purchases on www.ecatering.irctc.co.in
  • Earn 3 Reward Points per 125 spent on Dining and standing instructions on Utility spends
  • Avail 1 Reward Point per 125 spent on other non-fuel retail purchases 
  • Get 2,500 Reward Points on annual travel spends of Rs. 50,000
  • On annual travel spends of Rs. 1,00,000, avail 5,000 Reward Points
  • Spend Based Reversal of Annual Fee on spends of Rs. 2 Lakhs
  • Complimentary Rail Accident Insurance of Rs. 10 Lakhs
  • Complimentary Air Accident insurance of Rs. 50 Lakhs
  • Complimentary Fraud Liability cover of Rs. 1 Lakh
  • Save 1% transaction charges on railway ticket bookings on www.irctc.co.in
  • Save 1.8% transaction charges on airline ticket bookings on www.air.irctc.co.in
  • Book airline tickets with IRCTC at unbeatable prices, and explore the wide range of tailor made packages ranging from adventure, wildlife, pilgrimage and leisure tours to various places in India. Avail accommodation at 5,000+ hotels, covering 350 cities in India
  • 1% fuel surcharge at all petrol pumps in India, on transactions between  Rs. 500 - Rs. 4,000
  • 8 complimentary railway lounge access in a year to participating lounges in India (Max 2 per quarter)
  • Visa Privileges include: Savings of 10% on Hertz car rental and up to 35% on Avis Car Rentals, exclusive benefits across 900 luxury hotels globally, and obtain up to 10,000 miles per night on hotel stay plus 25% extra miles on Kaligo.com
  • Complimentary credit card fraud liability cover of Rs. 1 lakh
  • Complimentary Overseas Accident cover of Rs. 50 lakh
  • With Flexipay facility, convert transactions in EMIs by simply transacting Rs. 2,500 or more and log on to sbicard.com within 30 days of purchase to convert it into Flexipay
  • While booking railway tickets online using IRCTC SBI Platinum Card, get the tickets delivered at your doorstep
  • The IRCTC SBI Card Premier credit card is accepted in over 24 million outlets across the world, including 3,25,000 outlets in India

Editor's Review

Pros

  • Convert the points into air miles with Club Vistara, Air India's Flying Returns, Etihad Airways, British Airways and Singapore Airlines
  • Up to Rs. 3,000 annual savings on fuel surcharge with credit card waiver
  • Avail 5X the reward points on any purchase made after spending Rs. 4,00,000 subject to a maximum cap of 15,000 accelerated reward points in an anniversary year

Cons

  • No Airport Lounge access
  • No Golf benefits

Pros                                                                                                                                                                                                                                                                                                   

 

  • Complimentary credit card fraud liability cover of Rs. 1 lakh
  • Complimentary Overseas Accident cover of Rs. 50 lakh
  • 8 complimentary railway lounge access in India                                                                                                         

Cons

  • No golf benefits
  • No complimentary airport lounge access


More comparisions with HSBC Visa Platinum Credit Card

More comparisions with IRCTC SBI Card Premier

Downloads