Compare IRCTC SBI Card on RuPay Platform vs SBI Miles Credit Card

Purchase tickets through irctc.co.in and IRCTC Mobile App for AC1, AC2. AC3, Executive Chair car and Chair Car and earn 10% Value Back as Reward points
Avail 1 Reward Point for every Rs. 125 spent on non-fuel retail purchases, including railway ticket purchases on irctc.co.in and IRCTC Mobile App
Save 1% transaction charges on railway ticket bookings on www.irctc.co.in. 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
1% fuel surcharge across all petrol pumps in India on transactions between Rs. 500 and Rs. 3,000
IRCTC SBI Card (on RuPay platform) provided great offers on travel, golf, dining and other entertainment options from RuPay
4 complimentary railway lounge access in a year to participating lounges in India (Max 1 per quarter)
Withdraw cash from over 2 plus million global ATMs in 190 countries/territories, including over 43,000 SBI ATMs in India
Transfer outstanding balance of other bank’s credit card to IRCTC SBI Card (on RuPay platform) to avail a lower rate of interest and pay back in EMIs
With Flexipay facility, convert transactions in easy monthly installments. Simply transact Rs. 2,500 or more and log on to sbicard.com within 30 days of purchase to convert it into Flexipay
Use IRCTC SBI Card (on RuPay platform) to book railway tickets online and get them delivered to you

As a Welcome Benefit, get 1,500 Travel Credits. The 1,500 Travel Credits will get credited on spends of Rs. 30,000 within 60 days of card issuance. Travel Credits will be credited on payment of joining fee
Annual Fee waived off on annual spends of Rs. 6 Lakh or more in the preceding year
Get 2 Travel Credits for every Rs. 200 spent on travel
Get 1 Travel Credits for every Rs. 200 on all other spends
You can convert the Travel Credits into Air Miles / Hotel Points, Travel Bookings or choose from a wide array of Catalogue Products
Get 5,000 Bonus Travel Credits on reaching annual spends of Rs. 5 Lakh
Get additional Domestic Lounge visit with every spend of Rs. 1 Lakh. Additional lounge visits, based on spend milestones, are capped at 8 visits in a membership year
Avail a complimentary Priority Pass Membership worth $99 and get to access to 1000+ International Airport Lounges worldwide. Priority Pass Program is complimentary for the first 2 years
4 complimentary Domestic Airport Lounge visits every year (max. 2 visits per quarter)
Low Foreign Currency Mark-up Charge of 3.00% on International usage
1% Fuel Surcharge Waiver across all petrol pumps. (GST extra as applicable)
SBI Card MILES in over 24 million outlets across the globe, including 3,25,000 outlets in India
With Flexipay, convert transactions in easy monthly installments. Just transact for Rs. 2,500 or more and contact the bank within 30 days of purchase to convert it into Flexipay
Pay electricity, telephone, mobile and other utility bills using the Easy Bill Pay facility
Get enhanced security against counterfeiting and skimming with the chip and pin enabled on the credit card
Transfer the outstanding balance of other banks’ credit cards to SBI Miles Card, to avail a lower rate of interest and pay back in EMI

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 and IRCTC Mobile App for AC1, AC2. AC3, Executive Chair car and Chair Car and earn 10% Value Back as Reward points

Cons

No golf benefits
No complimentary airport lounge access

Pros

Availing 5,000 Bonus Travel Credits on reaching annual spends of Rs. 5 Lakh
Complimentary Priority Pass Membership worth $99 and get to access to 1000+ International Airport Lounges worldwide
4 complimentary Domestic Airport Lounge visits every year (max. 2 visits per quarter)

Cons