IRCTC RBL Bank Credit Card vs ICICI Sapphiro Credit Card

• Level up the travel with up to 40X benefits! The card has annual fee of Rs. 500, so the cardholder can end up with benefits worth up to Rs. 20,000 annually by shopping, dining, travel bookings, and more with this Card. That’s 40 times the value of the annual fee
• Redeem the Reward Points directly on IRCTC at incredible value - 1 Reward Point = Rs. 1
• Navigate the daily commutes effortlessly at metro and bus stations by simply tapping the card
• Enjoy a seamless payment process by using UPI, simply scan and pay for a smooth transaction process
• 8 complimentary (2 visits per quarter) lounge access at railway stations
• Enjoy Rs. 5,000 cancellation protection in case a train is cancelled at the last minute
• Transaction charges of 1% will be reversed on IRCTC RBL Bank Credit Card. Max Rs. 200 surcharge waiver per month on transaction up to Rs. 5,000
• Get 5 Reward Points per Rs. 200 spent on train ticket bookings via the IRCTC website or App
• Get 3 Reward Points per Rs. 200 swiped on FASTag recharge from RBL Bank Digital Channels/NCMC Reload/UTS App
• Along with getting rewards on train tickets, cardholder can also avail 2 Reward Points per Rs. 200 spent on booking flights, hotels and cruises from the IRCTC website or App
• Get 1 Reward Point per Rs. 200 spent everywhere

• Complimentary Domestic and International Airport Lounge visits
• Complimentary rounds of Golf every month at the Golf course
• On dining bills, enjoy 15% savings at over 2,500+ restaurants across India through Culinary Treats Programme
• Discover how ICICI Bank Sapphiro Credit Card can deliver savings of Rs 1,95,030 every year
• Enjoy the unmatched advantage of complimentary DragonPass, the world’s first all-in-one Digital Airport Platform  

Pros

• 8 complimentary (2 visits per quarter) lounge access at railway stations and get Rs. 5,000 cancellation protection in case a train is cancelled at the last minute
• Avail 2 Reward Points per Rs. 200 spent on booking flights, hotels and cruises from the IRCTC website or App
• Welcome benefits

Cons

• No dining or movie benefits
• No golf benefits
• No international/domestic airport lounge access

Pros

• Buy one movie/event ticket and get up to Rs 500 off on the second ticket, twice every month, through www.bookmyshow.com
• Redeem PAYBACK Points from many options – from movie and travel vouchers to lifestyle products, mobiles, appliances and more
• Complimentary Domestic Airport Spa visits

Cons

• Average Reward Rate
• High-Interest Rate

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