Compare : HSBC Visa Platinum Credit Card vs IRCTC SBI Platinum Credit Card

Amazon voucher worth Rs. 250

Free 3-month Swiggy One Membership on card activation

2,000 reward points on card activation

350 bonus reward points worth Rs. 350 on card activation, subject to a single transaction of Rs. 500 or more done within 60 days of card issuance

2 reward points for every Rs. 150 spent

6X reward points on hotel bookings through Travel with Points portal

4X reward points on flight bookings through Travel with Points portal

2X reward points on car rental bookings through Travel with Points portal

10% value-back as reward points, upon booking AC1, AC2, AC3, ECC and Chair Car tickets via IRCTC website/app

NA

4 complimentary railway lounge access in a year (1 per quarter)

No joining and annual fee

Up to 6X reward points on travel spends

2:1 reward redemption ratio for partner airlines/hotels

Free 3-month Swiggy One Membership

Exclusive travel & lifestyle benefits through Visa Signature

Low annual fee travel credit card

Good value on train ticket bookings via IRCTC

Complimentary railway lounge access

Transaction charge waiver on railway ticket booking via IRCTC

Low base reward rate of 0.67%

No travel benefits, such as complimentary lounge visits

No spending milestone benefits like bonus rewards

Benefits on no other spending category apart from train travel

Base reward rate stands quite low at 0.8%

Consumers looking for an entry level credit card with all round benefits

Domestic travellers who prefer travelling via railways over airlines and want a low annual fee card