IRCTC SBI Card on RuPay Platform vs IDFC FIRST Select Credit Card

IRCTC SBI Card on RuPay Platform

IDFC FIRST Select Credit Card

Joining Fees

₹500

₹0

Editor's Rating

3.9

2.75

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

Welcome Benefits include getting vouchers worth Rs. 500 on spending Rs. 15,000 within 90 days
5% cashback on making the first EMI transaction made within 90 days of card set-up
10X Reward Points on purchases greater than Rs.20,000
6X Reward Points on all online purchases and 3X Reward Points on all offline purchases
4 complimentary domestic lounge access per quarter
4 complimentary Railway lounge access every quarter
Low foreign exchange mark-up fee of 1.99%
20% discount on 1500+ Restaurants
15% discount on 3000+ Health & Wellness Outlets
Free Road Side Assistance(RSA) worth Rs. 1,399

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

Pros

Welcome gift voucher is only provided on spending Rs.15,000 within 90 days of card set-up
Interest-free cash withdrawal available for 48 days only
The dining benefits provided by the card are satisfactory but not that great