IRCTC SBI Card on RuPay Platform vs IDFC Club Vistara Credit 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

Complimentary Club Vistara Silver Membership:
• Priority airport check in
• Increased Check-In Baggage allowance within and outside India
• Priority Waitlist Clearance & Complimentary In flight Wi-fi

Power Up Your Spends:
• Earn up to 6 CV Points on all spends including Utility bill payments, Insurance, Fuel, Rent & Wallet Load
A. 6 CV Points: Spends up to Rs. 1 lakh
B. 4 CV Points: Spends above Rs. 1 lakh
C. 10 CV Points: On dining spends on cardholder’s birthday
D. 1 CV Point: On every Fuel, Insurance, Utility, Rent & Wallet Load spend

Bonus CV Points:
• Get up to 6000 bonus CV Points on crossing monthly spend milestones in the first 3 months
A. Earn up to 6000 CV points by spending minimum Rs.30,000/- every month for 3 applicable billing cycles

Spend Milestone Benefits:
• Unlock up to 5 Premium Economy Ticket Vouchers every anniversary year

Airport Lounge Access:
• Enjoy 8 complimentary visits to domestic airport lounges and spas along with 4 complimentary visits to international airport lounges yearly
A.  2 complimentary visits to domestic airport lounges and spas per quarter
B. 1 complimentary visit to international airport lounge per quarter

* Competitive forex mark-up of just 2.99% on international transactions

* Fuel Surcharge of 1%

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

* Enjoy 12 complimentary golf lessons and 4 complimentary rounds of golf every year, and  50% Off on the green fee beyond complimentary sessions
* Get trip cancellation cover up to Rs. 10,000 on flight and hotel booking (2 claims annually)
* Air Accident Cover of Rs. 1 crore, Personal Accident Cover of Rs 10,00,000 and Lost Card Liability Cover of Rs. 50,000, and Additional Coverage for loss of checked-in baggage, delay of checked-in baggage, loss of passport & other documents, and flight delay of USD 1200

Cons
* For some individuals, the membership fees might seem high
* The reward redemption charge is Rs. 99