Compare : YES BANK ACE Credit Card vs IRCTC SBI Platinum Credit Card

NA

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

8 YES Rewardz Points, up to 5,000 points per month, per Rs. 200 spent on online shopping, except on select categories

4 YES Rewardz Points per Rs. 200 spent on offline shopping, except on select categories

2 YES Rewardz Points per Rs. 200 spent on select categories

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)

4X reward points on online spends

Additional reward points through subscription plans

Joining and annual fee reversal with easily achievable spending milestone

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

No travel or lifestyle-related benefits

No reward points on rent, fuel, and UPI transactions

Benefits on no other spending category apart from train travel

Base reward rate stands quite low at 0.8%

Those who frequently shop online and want a rewards card for the same at a low annual fee.

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