IRCTC SBI Card on RuPay Platform vs ICICI Sapphiro 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

• Get up to 20,000 PAYBACK points every anniversary year

• 4 complimentary Domestic Airport Lounge visits per quarter, courtesy of Mastercard and American Express
• 2 complimentary International Airport Lounge visits per calendar year and 2 complimentary Domestic Airport Spa visits per calendar year, under complimentary membership to Dreamfolks DragonPass Lounge Access Programme
• Enjoy up to 4 complimentary rounds of Golf every month at the Golf course of your choice based on eligible spends on your card
• Buy one movie/event ticket and get up to Rs 500 off on the second ticket, twice every month, through www.bookmyshow.com
• Minimum 15% savings on dining bills at over 2,500+ restaurants across India through Culinary Treats Programme
• Powerful Rewards Plan: You can redeem your PAYBACK Points from many options – from movie and travel vouchers to lifestyle products, mobiles, appliances and more
• Earn bonus rewards of up to 6 PAYBACK Points on every Rs. 100 spent
• Under the new Milestone Rewards program, get 4,000 PAYBACK Points on spending Rs. 4,00,000 on your card and 2,000 PAYBACK Points each time you cross Rs. 1,00,000 spend thereafter in an anniversary year; maximum of 20,000 PAYBACK Points per year
• Get 1 PAYBACK Points on every Rs. 100 spent on fuel, utilities and insurance categories
• Earn 50% more rewards on your ICICI Bank Sapphiro American Express® Credit Card
• Savings: ICICI Bank Sapphiro Credit Card can deliver savings of Rs 1,95,030 every year 
• 1% fuel surcharge waiver is available on all transactions below Rs 4,000. Fuel surcharge waiver is available on fuel purchases at all petrol pumps
• Complimentary DragonPass Member, it's world’s first all-in-one Digital Airport platform. As a member, gain access to 450 comfortable and luxurious airport lounges across 115 countries around the globe
• Gain two complimentary Airport Lounge visits outside India and two spa sessions at selected airports in India every year, through complimentary Dreamfolks DragonPass membership. While waiting in airports, discover exciting offers from shopping, restaurants to limos on DragonPass app. Annual Membership Fee, which is USD 99, for Dreamfolks DragonPass is complimentary. You only pay for the lounge visit charges for visits done over and above the complimentary accesses
• Airport Lounge Access American Express: Avail complimentary access to selected lounges at airports in India
• Mastercard: With ICICI Bank Sapphiro Mastercard Credit Card to enjoy exclusive access to premium Mastercard airport lounges in India. Four complimentary accesses to select lounges at airports in India every quarter
• Complimentary rounds of Golf every month: Get complimentary Golf Round / Lesson for every Rs. 50,000 retail spends in the previous calendar month, maximum 4 rounds every month
• American Express® ezeClick: With American Express ezeClick, shop faster, smarter and secured way via online payment solution
• American Express EPAY simplifies the process of paying utility bills
• Mastercard Privileges: The Mastercard Moments is an exclusive programme for Mastercard Cardholders. It hosts exceptional experiences to inspire and enrich the cardholders lives 

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

• Buy one movie/event ticket and get up to Rs 500 off on the second ticket, twice every month, through www.bookmyshow.com
• Redeem PAYBACK Points from many options – from movie and travel vouchers to lifestyle products, mobiles, appliances and more
• Complimentary Domestic Airport Spa visits

Cons

• Average Reward Rate
• High-Interest Rate

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