IRCTC SBI Card Premier vs AU Small Finance Bank Vetta Credit Card

• Avail Movie Voucher worth 500 from BookMyShow on spends of Rs. 2000 within the first 60 days 
• Get 10% back on AC1, AC2, AC3, AC CC as reward points for ticket purchases on www.irctc.co.in
• Get 5% back Air ticket purchases on www.air.irctc.co.in
• Get 5% back E-catering purchases on www.ecatering.irctc.co.in
• Earn 3 Reward Points per 125 spent on Dining and standing instructions on Utility spends

* Gain 10 Reward Points per Rs. 100 retail spends done on Utility bill payments
* Earn 4 Reward Points per Rs. 100 retail spends done Grocery and Departmental stores
* Avail 2 Reward Points per Rs.100 retail spends done across all other merchant categories
* Monthly Jackpot: Avail Zomato Pro annual membership on Rs. 50,000 retail spends made in any calendar month. This is applicable once in a card anniversary year
* Quarterly Milestone Benefits: Get 500 Bonus Reward Points on Rs. 50,000 retail spends made per calendar quarter, and get additional 1,000 Bonus Reward Points on reaching Rs. 1 lakh retail spends per calendar quarter. Hence, earn up to 1,500 Bonus Reward Points in every calendar quarter with Rs. 1 lakh retail spends
* Yearly Milestone Benefits: Avail Rs. 1,000 worth vouchers on minimum Rs. 2.50 lakh retail spends made in a card anniversary year. Choose vouchers from a bouquet of top brands
* Birthday Benefit: Get 1,000 Bonus Reward Points on completing one retail transaction on birthday
* Get complimentary domestic and international lounge access at 1,000+ airport lounges
* Avail 1 complimentary lounge access per calendar quarter, using the Priority Pass at all participating lounges
* Get 1 complimentary domestic lounge access per calendar quarter using the VISA Card
* Railway Lounges: Get 2 complimentary lounge access per calendar quarter, using VISA Card at railway stations in selected cities

Pros                                                                                                                                                                                                                                                                                                                                                                                                   

• Complimentary Rail Accident Insurance of Rs. 10 Lakhs
• Avail accommodation at over 5,000 hotels, covering 350 cities in India
• 8 Complimentary Railway Lounge access in India                                                                                                          

Cons     

• No Complimentary Airport Lounge access                                                                                                                                                        
• No Golf/coaching sessions

Pros
* 1% Fuel Surcharge Waiver for fuel transactions done between Rs. 400 and Rs. 5,000 at all fuel stations in India. Maximum Rs. 250 per statement cycle
* Get Air Accident Cover of up to Rs. 50 Lakhs, Credit Shield of up to Rs. 2 Lakhs, and Purchase Protection of up to Rs. 25,000
* Convert transactions worth Rs. 2,000 or more into easy EMI options on selected tenure chosen by you

Cons
* No golf privileges
* No Airmiles