Compare IRCTC SBI Card on RuPay Platform vs Shoppers Stop Black HDFC Bank 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 7% Reward points on every Shoppers Stop spends
Get 2% Reward points on every Non-Shoppers Stop spends
Enjoy Complimentary Shoppers Stop Black membership worth Rs. 4500
Weekend offer: Get a discount of Rs. 2000 per month for a single purchase of Rs. 50,000 or more at Shoppers Stop over the weekend. This offer is limited to a maximum of once per month and five times in a year. The weekend is considered to be Friday, Saturday, and Sunday
16 complimentary domestic lounge access per calendar year (4 per quarter)
8 complimentary international lounge access per calendar year (2 per quarter)
1% fuel surcharge waiver at all fuel stations in India
Convert big spends into EMI after purchase
This card is equipped with contactless payment technology for added convenience and speed
Get Accidental air death cover worth Rs. 3 Crores
Get emergency overseas hospitalization of up to Rs. 50 lakhs, in case of emergency
Credit liability cover of up to Rs. 9 Lakhs
Zero lost card liability

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