IRCTC SBI Card Premier vs Spar SBI Card SELECT
Joining Fees
₹1,499
₹1,499
Editor's Rating
3.5
2.5
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 overall annual retail spends of Rs 300,000, avail 12,000 bonus Reward Points
- On annual spends of Rs 25,000 across all Landmark Stores, earn 2400 bonus Reward Points
- On annual spends of Rs 75,000 across all Landmark Stores, earn 8,000 bonus Reward Points
- With Flexipay facility, convert transactions in EMIs. Just transact for Rs. 2,500 or more and log on to sbicard.com within 30 days of purchase to convert it into Flexipay
- The Easy Money facility get a cheque or draft against your cash limit and get it delivered to home
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
- Welcome benefit of receiving 6,000 bonus reward points equivalent to Rs. 1,500 on payment of Annual Fees
- Earn 10 Reward Points on every Rs. 100 spent at Online & Retail Landmark Stores (Lifestyle, Home Centre, Max and Spar) Dining & Movies
- Get 2 Reward point per Rs. 100 spent on other retail purchases (Non-fuel)
Cons
- No Golf/coaching sessions
- Usage of USD 27 plus applicable taxes will be charged on Spar SBI card PRIME for all visits post the complimentary visits
