IRCTC SBI Platinum Card vs IRCTC SBI Card on RuPay Platform

• As a Welcome Gift, receive 350 activation bonus Reward Points on single transaction of Rs. 500 or more within 45 days of card issuance. Fuel and Cash spend are not included. You can earn Rs. 100 cash back on the first ATM cash withdrawal within 30 days of receiving the 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
• Enjoy 4 complimentary railway lounge access in a year to participating lounges in India
• Use IRCTC SBI Platinum Card to book railway tickets online and get them delivered at your doorstep
• IRCTC SBI Platinum Card provides great offers on travel, golf, dining and other entertainment options from Visa
• Easy Money lets you avail money just when you need it and get the cheque or draft delivered at your home                           
• IRCTC SBI Platinum Card is a travel card and can be used in over 29 million Visa outlets worldwide & 3,25,000 outlets in India
• With Flexipay, convert your transactions in easy monthly installments. Just 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 your IRCTC SBI Platinum Card, and avail a lower rate of interest and pay back in EMIs

• Avail exclusive travel privileges by logging on to irctc.co.in 
• Book airline tickets with IRCTC at unbeatable prices
• Enjoy the wide range of tailor-made packages ranging from adventure, wildlife, pilgrimage and leisure tours to various places in India
• Get accommodation at over 5,000 hotels, covering 350 cities in India

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

• 4 complimentary railway lounge access in a quarter to participating lounges in India
• Bonus Reward Points to be credited to the IRCTC SBI Card (on RuPay platform) account within 45 days of eligible transaction
• Purchase tickets through irctc.co.in for AC1, AC2. AC3 and AC CC and earn 10% Value back as Reward points

Cons

• No Airport Lounge Access