IRCTC SBI Card on RuPay Platform vs Etihad Guest SBI Card

• 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

• Avail complimentary Etihad Guest Silver tier status post first card
• Three Etihad Guest Miles you'll earn on every Rs. 100 spent on Etihad.com, earn Two Etihad Guest Miles on every Rs. 100 spent on International spends, and One Etihad Guest Mile on every Rs. 100 spent on other spends
• Avail discount up to 10% (3% on Economy Class and 10% on Business class) on direct Etihad Airways booking
• Gain discount of 5% on travel rewards miles redemption
• Complimentary overseas air accident coverage of Rs. 25 Lakh

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

• Benefit from Instant discount and Insurance facilities
• Enjoy the Privileges and features provided on the Etihad Guest SBI Card
• In a year, spend minimum of Rs. 3,00,000 and get annual membership fee reversal second year onwards

Cons

• No Golf/Coaching sessions