IDFC Club Vistara Credit Card vs IRCTC SBI Card Premier

Complimentary Club Vistara Silver Membership:
• Priority airport check in
• Increased Check-In Baggage allowance within and outside India
• Priority Waitlist Clearance & Complimentary In flight Wi-fi

Power Up Your Spends:
• Earn up to 6 CV Points on all spends including Utility bill payments, Insurance, Fuel, Rent & Wallet Load
A. 6 CV Points: Spends up to Rs. 1 lakh
B. 4 CV Points: Spends above Rs. 1 lakh
C. 10 CV Points: On dining spends on cardholder’s birthday
D. 1 CV Point: On every Fuel, Insurance, Utility, Rent & Wallet Load spend

Bonus CV Points:
• Get up to 6000 bonus CV Points on crossing monthly spend milestones in the first 3 months
A. Earn up to 6000 CV points by spending minimum Rs.30,000/- every month for 3 applicable billing cycles

Spend Milestone Benefits:
• Unlock up to 5 Premium Economy Ticket Vouchers every anniversary year

Airport Lounge Access:
• Enjoy 8 complimentary visits to domestic airport lounges and spas along with 4 complimentary visits to international airport lounges yearly
A.  2 complimentary visits to domestic airport lounges and spas per quarter
B. 1 complimentary visit to international airport lounge per quarter

* Competitive forex mark-up of just 2.99% on international transactions

* Fuel Surcharge of 1%

• 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

Pros

* Enjoy 12 complimentary golf lessons and 4 complimentary rounds of golf every year, and  50% Off on the green fee beyond complimentary sessions
* Get trip cancellation cover up to Rs. 10,000 on flight and hotel booking (2 claims annually)
* Air Accident Cover of Rs. 1 crore, Personal Accident Cover of Rs 10,00,000 and Lost Card Liability Cover of Rs. 50,000, and Additional Coverage for loss of checked-in baggage, delay of checked-in baggage, loss of passport & other documents, and flight delay of USD 1200

Cons
* For some individuals, the membership fees might seem high
* The reward redemption charge is Rs. 99

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