IndianOil Axis Bank Credit Card vs IRCTC SBI Card Premier

• Get 4% value back on fuel transactions by earning 20 reward points per Rs. 100 spent at IOCL fuel outlet in India. To avail this offer, transact between Rs. 400 and Rs. 4000 per month
• 1% value back on online shopping by earning 5 reward points per Rs. 100 spent. To avail this offer, transact at online merchants between Rs. 100 and Rs. 5000
• 1% fuel surcharge waiver- To avail this offer, transact at any fuel outlet between Rs. 400 and Rs. 4000 per month.
• Spend more than Rs. 3,50,000 in a year and be eligible for annual fee waiver
• Instant discount up to 10% on movie tickets booked via Bookmyshow app or website
• Avail 1 EDGE REWARD point on Rs. 100 spend with the credit card
• Indulge in delectable cuisines with Axis Bank Dining Delights that offers up to 15% discount at partnered restaurants in India via the EasyDiner

• 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

• Dining Delights - 15% off at partner restaurants
• Instant discount on BookMyShow
• 1% fuel surcharge waiver on all fuel transactions in India

Cons

• No Golf/coaching sessions
• No Airport Lounge Access

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