IRCTC SBI Card Premier vs Tata Neu Infinity SBI Credit Card

• 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

• Welcome benefits include getting 1,499 NeuCoins worth Rs. 1,499 on Tata Neu app on payment of joining fee
• Redeem these coins on Tata New App/Website and partner Tata Brands
• Avail 5% Value Back as NeuCoins on non-EMI spends at the Tata Neu App / Website and partner Tata brands
• Extra 5% value-back as NeuCoins on select category spends at Tata Neu app/Website
• 1.5% value-back as NeuCoins on other spends
• 1.5% value-back as NeuCoins on UPI spends (on the RuPay Variant)
• Low forex markup fee of 1.99%
• 8 complimentary domestic lounge visits every year (Max. 2 per quarter) on spending Rs. 75,000 in the previous quarter
• Complimentary Priority Pass Membership along with 4 complimentary international airport lounge accesses per year (1 per quarter)
• Post complimentary visits, a usage fee of $27 + applicable taxes will be charged per Priority Pass lounge visit
• Priority Pass and complimentary membership is valid for 2 years only
• 1% fuel surcharge waiver, on every transaction between Rs. 500 and Rs. 4,000
• Annual fee waiver on spending Rs. 3 Lakh in a year
• Withdraw cash from over 1 million Visa, Mastercard or American Express ATMs across the globe
• Convert eligible purchases into easy monthly EMIs. This is applicable on transactions of Rs. 2,500 or more
• Pay electricity, telephone, mobile and other utility bills using the Easy Bill Pay facility
• Transfer outstanding balances of other banks’ credit cards to the Tata Neu Infinity SBI Card at a lower interest rate and repay in easy EMIs

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
* Complimentary domestic and international lounge access
* 1.5% value-back as NeuCoins on other spends, and 1.5% value-back as NeuCoins on UPI spends (on the RuPay Variant)
* Welcome benefits

Cons
* No Golf Benefits
* No movie benefits
* Reward redemption is limited to Tata Neu and its partner brands