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IRCTC SBI Card Premier vs SBI Miles Credit Card

Joining Fees

₹1,499

₹1,499

Editor's Rating

3.5

3.7

Key Features

  • Get 10% back on AC1, AC2, AC3, Executive Chair car and Chair Car as reward points for ticket purchases on www.irctc.co.in and IRCTC Mobile App 
  • Get 5% back on Air ticket purchases on www.air.irctc.co.in
  • Get 5% back on E-catering purchases on www.ecatering.irctc.co.in
  • Earn 3 Reward Points per 125 spent on Dining and standing instructions on Utility spends
  • Avail 1 Reward Point per 125 spent on other non-fuel retail purchases 
  • Get 2,500 Reward Points on annual travel spends of Rs. 50,000
  • On annual travel spends of Rs. 1,00,000, avail 5,000 Reward Points
  • Spend Based Reversal of Annual Fee on spends of Rs. 2 Lakhs
  • Complimentary Rail Accident Insurance of Rs. 10 Lakhs
  • Complimentary Air Accident insurance of Rs. 50 Lakhs
  • Complimentary Fraud Liability cover of Rs. 1 Lakh
  • Save 1% transaction charges on railway ticket bookings on www.irctc.co.in
  • Save 1.8% transaction charges on airline ticket bookings on www.air.irctc.co.in
  • Book airline tickets with IRCTC at unbeatable prices, and explore the wide range of tailor made packages ranging from adventure, wildlife, pilgrimage and leisure tours to various places in India. Avail accommodation at 5,000+ hotels, covering 350 cities in India
  • 1% fuel surcharge at all petrol pumps in India, on transactions between  Rs. 500 - Rs. 4,000
  • 8 complimentary railway lounge access in a year to participating lounges in India (Max 2 per quarter)
  • Visa Privileges include: Savings of 10% on Hertz car rental and up to 35% on Avis Car Rentals, exclusive benefits across 900 luxury hotels globally, and obtain up to 10,000 miles per night on hotel stay plus 25% extra miles on Kaligo.com
  • Complimentary credit card fraud liability cover of Rs. 1 lakh
  • Complimentary Overseas Accident cover of Rs. 50 lakh
  • With Flexipay facility, convert transactions in EMIs by simply transacting Rs. 2,500 or more and log on to sbicard.com within 30 days of purchase to convert it into Flexipay
  • While booking railway tickets online using IRCTC SBI Platinum Card, get the tickets delivered at your doorstep
  • The IRCTC SBI Card Premier credit card is accepted in over 24 million outlets across the world, including 3,25,000 outlets in India
  • 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

Editor's Review

Pros                                                                                                                                                                                                                                                                                                   

 

  • Complimentary credit card fraud liability cover of Rs. 1 lakh
  • Complimentary Overseas Accident cover of Rs. 50 lakh
  • 8 complimentary railway lounge access in India                                                                                                         

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

  • No golf benefits
  • No cashback benefits
  • No movie or dining benefits 


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