Compare IRCTC SBI Card on RuPay Platform vs Etihad Guest SBI 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

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 and IRCTC Mobile App for AC1, AC2. AC3, Executive Chair car and Chair Car and earn 10% Value Back as Reward points

Cons

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