IRCTC SBI Card on RuPay Platform vs HDFC Diners Club Premium Credit Card
Joining Fees
₹500
₹2,500
Editor's Rating
3.9
3.3
Key Features
- 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
- You can convert reward points to miles on Jet Airways, Air India and Singapore Airlines (1 reward point = 0.50 air mile)
- Avail 10 X Reward Point on International spends
- 24x7 concierge service for reservations for travel needs
- Redeem Reward Points for booking Air Tickets / Hotels across 150+ Airlines and Choice of hotels (Domestic & International) at www.hdfcbankdinersclub.com .(1 Reward Point = 0.50 AirMile)
- Lowest mark up on foreign currency transactions: Just 2%
- Insurance Benefits
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 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
- Get Up to 6 Complimentary access to 1000+ lounges Worldwide
- Redeem points for exclusive gifts from the rewards catalogue
- 4 Reward Points for every Rs. 150 spent
- Get a free renewal by spending Rs. 3 lakhs in 12 months
Cons
- No complimentary offers for movie tickets
- No Cashback on spends
