IRCTC SBI Card on RuPay Platform vs ICICI Sapphiro Credit Card

Joining Fees

₹500

₹6,500

Editor's Rating

3.9

4.3

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
  • Complimentary Domestic and International Airport Lounge visits
  • Complimentary rounds of Golf every month at the Golf course
  • On dining bills, enjoy 15% savings at over 2,500+ restaurants across India through Culinary Treats Programme
  • Discover how ICICI Bank Sapphiro Credit Card can deliver savings of Rs 1,95,030 every year
  • Enjoy the unmatched advantage of complimentary DragonPass, the world’s first all-in-one Digital Airport Platform  

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

  • 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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