IRCTC SBI Platinum Card vs RBL Bank Freedom SuperCard

• 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

* Convert your available cash limit into a Personal Loan for 3 months at no interest, once a year. A processing fee of 2.5% is applicable; min Rs. 500
* Unlimited interest-free withdrawal of available cash limit from all ATMs in India up to the billing date; maximum period of 50 Days. A processing fee of 2.5% is applicable; min Rs. 500
Please Note: W.e.f January 07, 2021, interest @1.16% per month would be applicable on Emergency Advance Facility on your SuperCard and no processing fee would be charged.

* Avail 2,000 Reward Points as welcome rewards on payment of joining fees and minimum spends of Rs. 2,000 within 30 days of card issuance. Theres no welcome rewards given to First Year Free cards
* Avail 100% of FD amount as credit limit on the card
* Avail 75% of the Credit Limit as Cash Limit on the card
* Earn 1 Reward Point for every Rs. 100 spent on all you like
* Earn 2X Reward Points on all online spends, except for online purchases made on Education, Insurance, Utilities (including Bills2Pay) and Wallet Load. The maximum Cap is 1,000 Reward Points
* Avail fuel surcharge waiver of up to Rs. 100 per month
* Get 1+1 Bookmyshow offer on movie tickets on any 1 Day of the month (up to Rs. 200)
* 4 complimentary visit in a year at domestic airport lounges
* Maximum 1 complimentary airport lounge access in a quarter
* Instantly receive cash and pay back in installments with Dial for Cash program. One can also avail a pre-approved loan without blocking the credit limit of its Card. Get advantage of multiple tenure options
* Avail Split n Pay program and convert purchases of Rs. 3,000 or above into EMIs. Have convenience of paying EMIs at low interest rates at a nominal processing fee

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
* Rewards on all spends
* Annual Rewards worth Rs. 11,500+
* Complimentary Lounge Access

Cons
* No golf benefits
* No airmiles