IRCTC SBI Card Premier vs AU Small Finance Bank Zenith 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 20 Reward Points per Rs.100 retail spends done on Dining at standalone restaurants
* Earn 10 Reward Points per Rs.100 retail spends done on International transactions, Grocery and Departmental stores
* Avail 5 Reward Points per Rs.100 retail spends done across all other merchant categories
* Quarterly Milestone Benefits: Get Rs. 1,000 vouchers on minimum Rs. 2 lakh retail spends that’s done per calendar quarter. Choose vouchers from a bouquet of top brands
* Yearly Milestone Benefits: Avail complimentary Epicure Membership of doing minimum Rs. 8 lakh retail spends in a card anniversary year
* Enjoy lower International foreign mark-up fees of 1.99% on International transactions
* Birthday Benefit: Get 2,500 Bonus Reward Points on completing one retail transaction on birthday
* Get complimentary domestic and international lounge access at 1,000+ airport lounges
* Avail 2 complimentary lounge access per calendar quarter, using the Priority Pass at all participating lounges
* Get 4 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
* Get Air Accident Cover of up to Rs. 2 Crore, Card Liability Cover, get protected against Card Counterfeit/Skimming/Online frauds, and Credit Shield of up to Rs. 5 Lakhs
* Convert transactions worth Rs. 2,000 or more into easy EMI options on selected tenure chosen by you
* Avail Add on card that is free for lifetime

Cons
* No golf privileges
* No Airmiles