Kotak Solaris Platinum Credit Card vs IRCTC RBL Bank Credit Card

• Earn 5X reward points on every Rs.150 spend on online purchases
• Earn 2X reward points for every Rs.150 on other spends
• Fuel Surcharge Waiver
• Railway Surcharge Waiver 

• Level up the travel with up to 40X benefits! The card has annual fee of Rs. 500, so the cardholder can end up with benefits worth up to Rs. 20,000 annually by shopping, dining, travel bookings, and more with this Card. That’s 40 times the value of the annual fee
• Redeem the Reward Points directly on IRCTC at incredible value - 1 Reward Point = Rs. 1
• Navigate the daily commutes effortlessly at metro and bus stations by simply tapping the card
• Enjoy a seamless payment process by using UPI, simply scan and pay for a smooth transaction process
• 8 complimentary (2 visits per quarter) lounge access at railway stations
• Enjoy Rs. 5,000 cancellation protection in case a train is cancelled at the last minute
• Transaction charges of 1% will be reversed on IRCTC RBL Bank Credit Card. Max Rs. 200 surcharge waiver per month on transaction up to Rs. 5,000
• Get 5 Reward Points per Rs. 200 spent on train ticket bookings via the IRCTC website or App
• Get 3 Reward Points per Rs. 200 swiped on FASTag recharge from RBL Bank Digital Channels/NCMC Reload/UTS App
• Along with getting rewards on train tickets, cardholder can also avail 2 Reward Points per Rs. 200 spent on booking flights, hotels and cruises from the IRCTC website or App
• Get 1 Reward Point per Rs. 200 spent everywhere

Pros

• Get up to 5X Reward Points on every Rs.150 spent on online purchases
• Avail up to 10,000 Bonus Reward Points on annual retail spends of Rs. 4 Lakh

Cons

• No complimentary Golf lessons/green 
• No complimentary Airport Lounge access

Pros

• 8 complimentary (2 visits per quarter) lounge access at railway stations and get Rs. 5,000 cancellation protection in case a train is cancelled at the last minute
• Avail 2 Reward Points per Rs. 200 spent on booking flights, hotels and cruises from the IRCTC website or App
• Welcome benefits

Cons

• No dining or movie benefits
• No golf benefits
• No international/domestic airport lounge access