IRCTC SBI Card Premier vs Axis Bank Rewards Credit Card
Joining Fees
₹1,499
₹1,000
Editor's Rating
3.5
4.5
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
- On every Rs. 125 spends, gain unlimited 2 EDGE REWARD points
- Avail 10X reward points on every Rs. 125 spent on apparel and departmental stores
- Receive accelerated points for spends up to Rs. 7000 per month on specific categories
- Membership Benefits: Gain a bouquet of memberships up to Rs. 1,000 every anniversary year
- Milestone Benefits: Avail 1,500 EDGE REWARD points on net spends of Rs. 30,000 per statement cycle
- 30% off on Swiggy food delivery. This is applicable on minimum transaction of Rs. 200 per order and can be availed up to 2 times in a month
- 2 complimentary lounge access per quarter at selected domestic airports
- 1% fuel surcharge on fuel purchases at all fuel stations within India. This is valid on transactions between Rs. 400 to Rs. 5,000 only
- Purchase Protection Cover up to Rs. 1 Lakh
- Credit Shield 1 Lakh
- Loss of Check-in Baggage Cover up to 500 USD
- Cover up to USD 300 for the following: Delay of check-in baggage and Loss of travel documents
- Enjoy up to 15% off, maximum Rs. 500, at partnered restaurants in India
- Annual Fee of Rs. 1,000 will be waived off by making annual spends of Rs. 2,00,000 and above
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
* Unlimited 2 EDGE REWARD points on every Rs. 125 spends
* Accelerated points for spends up to Rs. 7000 per month on specific categories
* Gain a bouquet of memberships up to Rs. 1,000 every anniversary year
Cons
* No access to international lounges at airports
* No golf benefits are provided
