IRCTC SBI Card Premier vs 6E Rewards XL – Indigo HDFC Bank Credit Card

Joining Fees

₹1,499

₹1,500

Editor's Rating

3.5

3.8

Key Features

  • Get 10% back on AC1, AC2, AC3, Executive Chair car and Chair Car as reward points for ticket purchases on www.irctc.co.in and IRCTC Mobile App 
  • Get 5% back on Air ticket purchases on www.air.irctc.co.in
  • Get 5% back on E-catering purchases on www.ecatering.irctc.co.in
  • Earn 3 Reward Points per 125 spent on Dining and standing instructions on Utility spends
  • Avail 1 Reward Point per 125 spent on other non-fuel retail purchases 
  • Get 2,500 Reward Points on annual travel spends of Rs. 50,000
  • On annual travel spends of Rs. 1,00,000, avail 5,000 Reward Points
  • Spend Based Reversal of Annual Fee on spends of Rs. 2 Lakhs
  • Complimentary Rail Accident Insurance of Rs. 10 Lakhs
  • Complimentary Air Accident insurance of Rs. 50 Lakhs
  • Complimentary Fraud Liability cover of Rs. 1 Lakh
  • Save 1% transaction charges on railway ticket bookings on www.irctc.co.in
  • Save 1.8% transaction charges on airline ticket bookings on www.air.irctc.co.in
  • Book airline tickets with IRCTC at unbeatable prices, and explore the wide range of tailor made packages ranging from adventure, wildlife, pilgrimage and leisure tours to various places in India. Avail accommodation at 5,000+ hotels, covering 350 cities in India
  • 1% fuel surcharge at all petrol pumps in India, on transactions between  Rs. 500 - Rs. 4,000
  • 8 complimentary railway lounge access in a year to participating lounges in India (Max 2 per quarter)
  • Visa Privileges include: Savings of 10% on Hertz car rental and up to 35% on Avis Car Rentals, exclusive benefits across 900 luxury hotels globally, and obtain up to 10,000 miles per night on hotel stay plus 25% extra miles on Kaligo.com
  • Complimentary credit card fraud liability cover of Rs. 1 lakh
  • Complimentary Overseas Accident cover of Rs. 50 lakh
  • With Flexipay facility, convert transactions in EMIs by simply transacting Rs. 2,500 or more and log on to sbicard.com within 30 days of purchase to convert it into Flexipay
  • While booking railway tickets online using IRCTC SBI Platinum Card, get the tickets delivered at your doorstep
  • The IRCTC SBI Card Premier credit card is accepted in over 24 million outlets across the world, including 3,25,000 outlets in India
  • Get 5 6E Rewards per Rs. 100 Spends on flights booking on IndiGo App/Website
  • Gain 3 6E Rewards per Rs. 100 Spends on Grocery, Dining and Entertainment
  • Get 2 6E Rewards per Rs. 100 on all other spends
  • You are entitled to 8 complimentary domestic airport lounge accesses per year, which are distributed as 2 accesses per quarter
  • Discounted Convenience Fee on IndiGo tickets-Rs.150 per pax
  • Exclusive Dining Privileges: Enjoy the benefits of the Good Food Trail Dining program at premium restaurants across top cities
  • Markup fee of 2.5% on all foreign currency transactions
  • Zero Lost card liability 
  • Up to 50 days of interest-free period from the date of purchase
  • Enjoy Revolving Credit at a nominal interest rate
  • Domestic Lounge Access – VISA / Mastercard Card: 8 Complimentary Domestic Lounge Access per calendar year (2 in a quarter) 
  • Mastercard Offers & Benefits: Cardholders of the 6E Rewards XL- IndiGo HDFC Bank Credit Card can enjoy exclusive offers and benefits curated by Mastercard across various categories including travel, dining, shopping and more
  • Convert big spends into EMI after purchase
  • The card is enabled for contactless payments

 

Important update: Starting 1st January 2024, earn 2% 6E Rewards for every Rs. 100 spent on fuel, with a monthly cap of 500 6E Rewards

Editor's Review

Pros                                                                                                                                                                                                                                                                                                   

 

  • Complimentary credit card fraud liability cover of Rs. 1 lakh
  • Complimentary Overseas Accident cover of Rs. 50 lakh
  • 8 complimentary railway lounge access in India                                                                                                         

Cons

  • No golf benefits
  • No complimentary airport lounge access

Pros

  • Get 8 complimentary domestic lounge access
  • Complimentary ticket worth Rs. 3000 as a welcome benefit
  • Get 5 6E Rewards per Rs. 100 Spends on flights booking on IndiGo App/Website

Cons

  • No golf benefits are provided
  • No international airport lounge access


More comparisions with IRCTC SBI Card Premier

More comparisions with 6E Rewards XL – Indigo HDFC Bank Credit Card

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