IRCTC SBI Card on RuPay Platform vs InterMiles ICICI Bank Coral Credit Card

Joining Fees

₹500

₹1,250

Editor's Rating

3.9

4.3

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
  • Every year, upon renewing the Jet Airways ICICI Bank Coral Credit Card, get 1,250 bonus InterMiles
  • Avail 5% discount on Economy Class tickets booked on Etihad Airways
  • Redemption Miles Back on international flights: 20%
  • BookMyShow and Inox Offer: Avail 25% discount capped up to Rs. 100 on purchase of minimum two tickets per transaction. This benefit can be availed twice in a month (once each on American Express and on Visa variant) on BookMyShow and Inox individually
  • Exclusive dining offers through ICICI Bank Culinary Treats Programme
  • 1% fuel surcharge will not be applicable on fuel transactions of up to Rs. 4,000 at HPCL pumps when the Card is swiped on ICICI Merchant Services swipe machines
  • Accumulate a maximum of 40,000 InterMiles against your spends in each anniversary year. When this cap is reached, an InterMiles Uncapping Fee of Rs. 7,500 will be levied to the Credit Card account
  • American Express Connect provides a wide range of special offers in various categories like Travel, Lodging, Dining, Retail and Online Shopping
  • American Express ezeClick is a faster, smarter and secure online payment solution. It replaces the requirement of inserting the Credit Card details every time you shop online with just a single User ID 
  • American Express® Privileges: Get 2 complimentary domestic airport lounge access per quarter (1 each on American Express and/or Visa variant) on your InterMiles ICICI Bank Coral Credit Card by spending Rs. 5,000 in a calendar quarter on each of your cards to avail of this facility in the next calendar quarter
  • VISA Lounge Access: Get 2 complimentary domestic airport lounge access per quarter (1 each on American Express and/or Visa variant) on your InterMiles ICICI Bank Coral Credit Card by spending Rs. 5,000 in a calendar quarter on each of your cards to avail of this facility in the next calendar quarter

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

  • 1% fuel surcharge will be applicable on fuel transactions
  • Complimentary airport lounge access
  • Enjoy your favourite movies with offers on BookMyShow and Inox

Cons

  • High interest rates
  • No Golf Privileges

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