IRCTC SBI Card on RuPay Platform vs Tata Neu Infinity HDFC Bank Credit Card

Joining Fees

₹500

₹1,499

Editor's Rating

3.9

4

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
  • In a year, spend Rs. 3,00,000 or more before the Credit Card renewal date and get the renewal fee waived off
  • 5% back as NeuCoins on Non-EMI Spends on Tata Neu and partner Tata Brands
  • 1.5% back as NeuCoins on Non-Tata Brand Spends and any Merchant EMI Spends
  • 1.5% back as NeuCoins on UPI spends (including spends on partner Tata Brands) - maximum of 500 NeuCoins per calendar month
  • Earn additional 5% back as NeuCoins on selected categories on Tata Neu App/Website, post downloading Tata Neu App and registering for Tata NeuPass
  • Reward points gained on Grocery transactions will be capped to 2,000 per month
  • Zero lost card liability
  • Foreign Currency Markup: 2% on all your foreign currency spends
  • Domestic Lounge Access – VISA / RuPay Card: 8 Complimentary Domestic Lounge Access per calendar year (2 in a quarter). Rs. 2 (VISA / RuPay) will be charged to the Credit Card for the Lounge Access
  • International Lounge Access – VISA Card: By using Priority Pass avail up to 4 Complimentary International Lounge Access per calendar year (1 per Quarter). If exceed the 4 Complimentary (1 per Quarter) visits, you will be charged at US $27 + GST per visit
  • International Lounge Access - RuPay: 4 Complimentary International Lounge Access per calendar year (1 per 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

  • Accidental air death cover worth Rs. 1 Crore
  • Emergency overseas hospitalization: Up to Rs. 15 lakhs
  • Lost Card Liability CoverUp to Rs. 9 lakhs
  • Use the NeuCoins for purchases on Tata Neu /Website for Brands like: AirAsia India, Bigbasket, Croma Westside, Tata CLiQ, Tata CLiQ Luxury, Hotel Bookings/Purchases on IHCL, TATA 1MG, Qmin, and Titan and Tanishq (only via Tata Neu)

Cons

  • No golf benefits
  • Tata Neu coins are valid only for 1 year and can be used only in the Tata Neu app or paying thru the Neu app


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