IRCTC SBI Card on RuPay Platform vs Axis My Zone Credit Card

• Purchase tickets through irctc.co.in and IRCTC Mobile App for AC1, AC2. AC3, Executive Chair car and Chair Car and earn 10% Value Back as Reward points
• Avail 1 Reward Point for every Rs. 125 spent on non-fuel retail purchases, including railway ticket purchases on irctc.co.in and IRCTC Mobile App
• Save 1% transaction charges on railway ticket bookings on www.irctc.co.in. Enjoy the wide range of tailor made packages ranging from adventure, wildlife, pilgrimage and leisure tours to various places in India. Get accommodation at over 5,000 hotels, covering 350 cities in India
• 1% fuel surcharge across all petrol pumps in India on transactions between Rs. 500 and Rs. 3,000
• IRCTC SBI Card (on RuPay platform) provided great offers on travel, golf, dining and other entertainment options from RuPay
• 4 complimentary railway lounge access in a year to participating lounges in India (Max 1 per quarter)
• Withdraw cash from over 2 plus million global ATMs in 190 countries/territories, including over 43,000 SBI ATMs in India
• Transfer outstanding balance of other bank’s credit card to IRCTC SBI Card (on RuPay platform) to avail a lower rate of interest and pay back in EMIs
• With Flexipay facility, convert transactions in easy monthly installments. Simply transact Rs. 2,500 or more and log on to sbicard.com within 30 days of purchase to convert it into Flexipay
• Use IRCTC SBI Card (on RuPay platform) to book railway tickets online and get them delivered to you

• Purchase one movie ticket and get a 100% discount on the second movie ticket at Paytm Movies. The maximum discount one can get in a calendar month is Rs. 200                
• Avail SonyLiv Premium annual subscription worth Rs. 999 on the first spend within first 30 days of card issuance                                                                                                      
• Get flat Rs. 120 off on food delivery at Swiggy
• 1 complimentary access to select airport lounges within India per Calendar quarter
• Earn 4 EDGE REWARD points with every Rs. 200  spent on the credit card
• 1% fuel surcharge waiver on all fuel transactions in India. Refunded for fuel transactions between Rs. 400 to Rs. 4,000. Maximum benefits up to Rs. 400 per month
• On any transaction over Rs. 2,500, convert these purchases to EMI
• Indulge in delectable cuisines up to 15% off at partnered restaurants in India
• Avail up to Rs. 1000 off at AJIO, on minimum spends of Rs. 2999

Pros

• 4 complimentary railway lounge access in a quarter to participating lounges in India
• Bonus Reward Points to be credited to the IRCTC SBI Card (on RuPay platform) account within 45 days of eligible transaction
• Purchase tickets through irctc.co.in and IRCTC Mobile App for AC1, AC2. AC3, Executive Chair car and Chair Car and earn 10% Value Back as Reward points

Cons

• No golf benefits
• No complimentary airport lounge access

Pros

• Avail up to Rs. 1000 off at AJIO, on minimum spends of Rs. 2999
• 1 Complimentary airport lounge access
• Avail SonyLiv Premium annual subscription worth Rs. 999 on the first spend within first 30 days of card issuance          

Cons

* No golf/coaching sessions

* High interest rate