Compare IRCTC SBI Card Premier vs HDFC Millennia Credit Card

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

Renewal Offer: Spend Rs. 1 lakh or more in the previous 12 months to waive the renewal membership fee for the next year
Avail 5% Cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato
Avail 1% cashback on all other spends
Get Rs. 1000 worth of gift vouchers on spends of Rs. 1,00,000 and above in each calendar quarter
Up to 20% discount on partnered restaurants via Swiggy Dineout
Zero lost card liability
Up to 50 days of interest-free period from the date of purchase
Revolving Credit is available at a nominal interest rate
Enjoy amazing dining benefits with the Good Food Trail program
Save up to 20% on your restaurant bill payments at more than 20,000 restaurants with Swiggy Dineout. This offer includes both restaurant and Swiggy discounts and is only available for payments made through the Swiggy App
Lounge access has been added to the quarterly spend milestone program, effective from December 1, 2023. Once a user achieves a quarterly spend milestone, they can choose to receive either a Dreamfolks airport lounge access voucher or a Rs. 1000 voucher from a list of available brands
1% fuel surcharge waiver at all fuel stations in India. This is valid on transactions between Rs. 400 and Rs. 5000
Convert big spends into EMI after purchase
This card is equipped with contactless payment technology for added convenience and speed