IRCTC SBI Card on RuPay Platform vs Citi Prestige Credit Card
Joining Fees
₹500
₹20,000
Editor's Rating
3.9
4.1
Key Features
- Avail exclusive travel privileges by logging on to irctc.co.in
- Book airline tickets with IRCTC at unbeatable prices
- 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
- Get benefits worth Rs. 38,000+ in the first year
- Welcome Bonus Miles worth Rs. 4,500
- Taj Group/ ITC Hotels Vouchers of Rs. 10,000
- Reward Points worth Rs. 24,000 on annual spends
Editor's Review
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 for AC1, AC2. AC3 and AC CC and earn 10% Value back as Reward points
Cons
- No Airport Lounge Access
Pros
- Never expiring reward points
- Epicure Plan of Taj InnerCircle membership
- Complimentary Priority Pass Lounge Access for Primary as well as add-on Card members
- Instantly Pay with Points at select partners
Cons
- High Annual Membership Fee of Rs. 20,000 + taxes
- High-interest rate
