Compare IRCTC SBI Card Premier vs ICICI Sapphiro 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

Get up to 20,000 PAYBACK points every anniversary year

4 complimentary Domestic Airport Lounge visits per quarter, courtesy of Mastercard and American Express
2 complimentary International Airport Lounge visits per calendar year and 2 complimentary Domestic Airport Spa visits per calendar year, under complimentary membership to Dreamfolks DragonPass Lounge Access Programme
Enjoy up to 4 complimentary rounds of Golf every month at the Golf course of your choice based on eligible spends on your card
Buy one movie/event ticket and get up to Rs 500 off on the second ticket, twice every month, through www.bookmyshow.com
Minimum 15% savings on dining bills at over 2,500+ restaurants across India through Culinary Treats Programme
Powerful Rewards Plan: You can redeem your PAYBACK Points from many options – from movie and travel vouchers to lifestyle products, mobiles, appliances and more
Earn bonus rewards of up to 6 PAYBACK Points on every Rs. 100 spent
Under the new Milestone Rewards program, get 4,000 PAYBACK Points on spending Rs. 4,00,000 on your card and 2,000 PAYBACK Points each time you cross Rs. 1,00,000 spend thereafter in an anniversary year; maximum of 20,000 PAYBACK Points per year
Get 1 PAYBACK Points on every Rs. 100 spent on fuel, utilities and insurance categories
Earn 50% more rewards on your ICICI Bank Sapphiro American Express® Credit Card
Savings: ICICI Bank Sapphiro Credit Card can deliver savings of Rs 1,95,030 every year
1% fuel surcharge waiver is available on all transactions below Rs 4,000. Fuel surcharge waiver is available on fuel purchases at all petrol pumps
Complimentary DragonPass Member, it's world’s first all-in-one Digital Airport platform. As a member, gain access to 450 comfortable and luxurious airport lounges across 115 countries around the globe
Gain two complimentary Airport Lounge visits outside India and two spa sessions at selected airports in India every year, through complimentary Dreamfolks DragonPass membership. While waiting in airports, discover exciting offers from shopping, restaurants to limos on DragonPass app. Annual Membership Fee, which is USD 99, for Dreamfolks DragonPass is complimentary. You only pay for the lounge visit charges for visits done over and above the complimentary accesses
Airport Lounge Access American Express: Avail complimentary access to selected lounges at airports in India
Mastercard: With ICICI Bank Sapphiro Mastercard Credit Card to enjoy exclusive access to premium Mastercard airport lounges in India. Four complimentary accesses to select lounges at airports in India every quarter
Complimentary rounds of Golf every month: Get complimentary Golf Round / Lesson for every Rs. 50,000 retail spends in the previous calendar month, maximum 4 rounds every month
American Express® ezeClick: With American Express ezeClick, shop faster, smarter and secured way via online payment solution
American Express EPAY simplifies the process of paying utility bills
Mastercard Privileges: The Mastercard Moments is an exclusive programme for Mastercard Cardholders. It hosts exceptional experiences to inspire and enrich the cardholders lives

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

Buy one movie/event ticket and get up to Rs 500 off on the second ticket, twice every month, through www.bookmyshow.com
Redeem PAYBACK Points from many options – from movie and travel vouchers to lifestyle products, mobiles, appliances and more
Complimentary Domestic Airport Spa visits

Cons