RBL Platinum Delight Credit Card vs IRCTC SBI Platinum Card

• Reward on all purchases
• Monthly Bonus Reward Points
• Annual Spend Benefit
• Fuel Surcharge Waiver
• Swipe your Card within 30 days of issuance and earn 4000 Reward points as a welcome gift
• Earn Two Reward Points for every Rs.100 spent on all your purchases
• Avail Four Reward Points for every Rs.100 spent during the weekends!
• A welcome benefit of 4000 Reward points will be credited on payment of Joining Fee and first swipe of the card. Reward points are not accrued on fuel spends.
• Earn 1,000 Bonus Reward Points every month on swiping the Card five times for transactions worth Rs.1,000 or more in a calendar month.
• Drive wherever you desire and gain more with savings on fuel spends- Enjoy fuel surcharge waiver at any petrol pump in India. Valid for fuel transactions between Rs.500 and Rs.4000. Maximum waiver of Rs. 150 per month.
• Explore the wide range of exclusive benefits offered by Platinum Delight Credit Card that has an annual fee of Rs.1000.
• Next year fee will be waived on crossing spends of Rs.1.5 Lakh in the previous year. 

NOTE: Enjoy 2X Rewards on weekends, 1000 bonus rewards every month and waiver of fuel surcharge

• Buy tickets through irctc.co.in & IRCTC Mobile App for AC1, AC2, AC3, Executive Chair car and Chair Car and earn up to 10% Value Back as Reward Points
• Get 1 Reward point for every Rs. 125 spent on non-fuel retail purchases, including railway ticket purchases at www.irctc.co.in and IRCTC Mobile App (Android only)
• Save 1% transaction charges on railway ticket bookings on www.irctc.co.in. Log on to irctc.co.in and avail exclusive travel privileges, book airline tickets with IRCTC at unbeatable prices. Avail wide range of tailor made packages ranging from adventure, wildlife, pilgrimage and leisure tours to various places in India. Avail accommodation at over 5,000 hotels, covering 350 cities in India
• 4 complimentary railway lounge access in a year to participating lounges in India (Max 1 per quarter)
• 1% fuel surcharge across all petrol pumps in India, on transactions between Rs. 500 - Rs. 3,000, exclusive of GST and other charge
• Save 1% transaction charges, exclusive of GST and all other charges, when booking railway tickets on irctc.co.in, using IRCTC SBI Platinum Card
• IRCTC SBI Platinum Card provides great offers on travel, golf, dining and other entertainment options from Visa                
• Withdraw cash from over 1 million Visa ATMs worldwide, including over 18,000 Visa ATMs in India and more than 10,000 State Bank ATMs spread across 100 cities in India
• With Flexipay, convert the transactions in easy monthly installments. Simply transact for Rs. 2,500 or more and log on to sbicard.com within 30 days of purchase to convert it into Flexipay
• Transfer the outstanding balance of your other bank’s credit card to IRCTC SBI Platinum Card, and avail a lower rate of interest and pay back in EMIs
• Use IRCTC SBI Platinum Card to book railway tickets online and get them delivered to your doorstep

Pros

• Reward on all purchases
• Earn 1,000 Bonus Reward Points every month on swiping the Card five times for transactions worth Rs.1,000 or more in a calendar month.
• Swipe your Card within 30 days of issuance and earn 4000 Reward points as a welcome gift

Cons

• No golf/coaching sessions
• No complimentary Airport Lounge Access

Pros

• Enjoy 4 complimentary railway lounge access in a year to participating lounges in India (Max 1 per quarter)
• 1% fuel surcharge across all petrol pumps in India, on transactions of Rs. 500 - Rs. 3,000, exclusive of GST and other charge
• Save 1% transaction charges, exclusive of GST and all other charges, when booking railway tickets on irctc.co.in, using IRCTC SBI Platinum Card

Cons

• Interest rate charges are bit high
• While the IRCTC SBI Platinum Card offer satisfactory rewards, there several other cards which give you better flexibility while booking flights from any airlines and yet gain reward points