IRCTC SBI Card Premier vs SpiceJet Axis Bank Voyage Black 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 complimentary SpiceClub Gold membership on card issuance, and complimentary SpiceJet add-on vouchers worth Rs. 7500
* Gain up to 28 SpiceClub Points (16 SpiceClub Points as SpiceClub Gold Member and 12 SpiceClub Points on the card spends) for every spend of Rs. 200 on the SpiceJet mobile application and website
* Gain up to 12 SpiceClub Points for every spend of Rs. 200 on online food orders, online bill payments, and online entertainment 
* Gain 6 SpiceClub Points for every spend of Rs. 200 on all other domestic retail and international transactions 
* Earn 4000 SpiceClub Points on achieving annual spends of Rs. 2 lakh in a card membership year
* Avail 6000 SpiceClub Points on achieving annual spends of Rs. 4 lakh in a card membership year
* Get 2000 SpiceClub Points on every renewal of the card
* Get 8 complimentary domestic airport lounge access every year, subject to minimum spends of Rs. 50,000 in the previous quarter
* 1% fuel surcharge waiver on all fuel transactions in India. This is valid on transactions between Rs. 400 to Rs. 4000 
* Get up to 25% off, up to Rs. 800, once per month at over 4,000 restaurants in India 
* Now you can easily convert any transactions of Rs. 2,500 and above into EMIs

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

* Get a SpiceJet voucher worth Rs. 4,000 as welcome benefit
* Gain up to 28 SpiceClub Points or every spend of Rs. 200 on the SpiceJet mobile application and website
* Gain up to 12 SpiceClub Points for every spend of Rs. 200 on online food orders, online bill payments, and online entertainment 

Cons

* No golf benefits are provided
* No international airport lounge access