IRCTC SBI Platinum Card vs SBI Platinum Corporate 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

• The SBI Platinum Corporate card is accepted at more than 38 million outlets across the globe including 03 million outlets in India. It is recognized for its highest international authorization approval rate
• Easily track and control organisation’s expenses with spend management tool
• Avail complimentary insurance cover. Insurance will cover the organisation’s corporate card liability against frauds by employees
• Insurance Cover details are as follows:

a. Fraud Related Insurance: On Individual cards- Equal to the credit limit of the card, subject to a maximum amount of Rs. 2 lakhs. At a corporate level- Per corporate entity the cover is limited to a maximum of Rs. 60 lakhs

b. Travel insurance: It includes Air accidental death, Lost card liability, baggage loss, baggage delay, loss of passport (only international), flight delay     

• SBI Platinum Corporate card can be replaced from anywhere in the world
• Avail emergency cash access across the world with the SBI Platinum Corporate Card
• Easily become a Priority Pass Program member at an annual charge of Rs. 180 + applicable taxes. Access to more than 600 international airport lounges worldwide with the membership. A usage fee of only $27 plus applicable taxes will be charged to the card
• Chip and PIN benefits
• The Lounge Access program is provided at all participating lounges at airports in India. Upon presentation of the SBI Corporate Card and boarding pass, cardholders can enjoy the following privileges: Complimentary access for Corporate Cardholders (maximum of 2 visits per quarter). Paid Access: In addition to the complimentary access, cardholders are also entitled to unrestricted (chargeable) access for themselves and for their accompanying guests                                                 
• Fuel Surcharge: 1% of transactional value. 1% Surcharge Waiver (excluding all applicable taxes wherever applicable + other charges) for single transaction spends between Rs. 500 and Rs. 4000 for Platinum Cards

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

• SBI Platinum Corporate card can be replaced from anywhere in the world
• Avail emergency cash access across the world with the SBI Platinum Corporate Card.
• 1% of transactional value. 1% Surcharge Waiver, excluding taxes and other charges for transaction spends between Rs. 500 and Rs. 4000 for Platinum Cards

Cons

• Although you can easily become a member of Priority Pass Program at an annual charge of Rs. 180 + taxes, a usage fee of $27 plus taxes will be charged to the card
• No complimentary Golf/coaching sessions