IRCTC SBI Platinum Card vs HDFC Moneyback Credit Card

• 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

• Annual Spend based benefit: By spending Rs. 50,000 and above in each calendar quarter, get Rs. 500 worth gift vouchers
• Renewal Offer: In the first year, spend Rs. 50,000 and above to get renewal membership fee waived off
• Get 2 Reward Points on every Rs. 150 spent 
• Get 2X Reward Points i.e. 4 Reward Points on every Rs. 150 spent online (With effect from 15th July 2020, cardholders can earn up to 500 Reward Points per statement cycle for online spends, under the 2X RP feature)
• Every quarter, get a gift voucher worth Rs. 500 on spends of Rs. 50,000. Earn up to Rs. 2,000 worth gift vouchers in a year
• Zero Lost card liability
• Up to 50 days of interest free period from the date of purchase
• Enjoy Revolving Credit at nominal interest rate
• Enjoy amazing dining benefits with Good Food Trail program. Get up to 20 % savings off on all restaurant bill payments via Swiggy Dineout (20k + restaurants). This offer is inclusive of Restaurant and Swiggy Discount. This offer is valid only on payments done via Swiggy App
• 1% Fuel Surcharge waiver on fuel transactions on minimum transaction of Rs. 400 and maximum transaction of Rs. 5,000
• Avail facility of converting big spends into EMI after purchase
• HDFC Bank MoneyBack Credit Card is enabled for contactless payments
• Reward Points can be used for redemption against travel benefits such as Flight and Hotel bookings, and the card members can redeem up to a maximum of 50% of the booking value through Reward Points and Rewards Catalogue at the SmartBuy Rewards Portal

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

Pros

• Zero liability on the lost card if reported immediately
• With the EMV Chip technology presented in the card, stay protected against fraud
• Avail up to 50 days of the interest-free period from the date of purchase, and enjoy Revolving Credit at a nominal interest rate

Cons

• The Reward points are only valid for 2 years
• No complimentary Airport Lounge Access
• High-interest rate of 3.49%