IRCTC SBI Card Premier vs Flipkart Axis Bank Credit Card
Joining Fees
₹1,499
₹500
Editor's Rating
3.5
3.7
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
- Welcome Benefits: Rs. 600 worth of joining and activation benefits
- Welcome Benefits: Flipkart Axis Bank credit card comes with a host of welcome and activation benefits. Listed below are the brands associated with the benefits:Flipkart/Swiggy
a. Avail Rs. 500 worth Flipkart vouchers on making first transaction with the card b. Avail 50% instant discount up to Rs. 100 on first Swiggy order
- Get unlimited 5% cashback on Flipkart spends
- Get unlimited 4% Cashback on Preferred Merchants
- Get unlimited 1.5% Cashback on other eligible categories
- 4 complimentary lounge visits to select airport lounges within India per Calendar year
- 1% fuel surcharge waiver on all fuel transactions in India
- On any transaction over Rs. 2,500, convert the purchases into EMI
- Indulge in delectable cuisines up to 15% off at partnered restaurants in India
- Annual fee will be waived off on annual spends greater than Rs. 3,50,000
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 Cashback
- Complimentary Airport Lounge Access
- Card replacement fee (lost or stolen or re-issue): Waived
Cons
- Cashback will be in the form of Flipkart cash and only redeem on the Flipkart
- 3.5% foreign currency conversion fees
- No cash back on fuel spend, purchase of the gold item, EMI transaction and on gift cards
