Compare : IRCTC SBI Platinum Credit Card vs LIC Axis Bank Platinum Credit Card

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

NA

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

2 reward points for every Rs. 100 spent on LIC premium payments

2 reward points for every Rs. 100 spent internationally

1 reward point for every Rs. 100 on other categories

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

NA

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

Accelerated (2X) rewards on LIC premium payments and international spends

Redemption of rewards against multiple categories

Up to 20% discount on dining at partner restaurants

Card liability insurance cover up to the credit limit

Benefits on no other spending category apart from train travel

Base reward rate stands quite low at 0.8%

No travel or lifestyle related benefits

Low reward rate on other spends other than LIC and international transactions

No reward points on fuel, utility bills, rent payments, and jewellery purchases

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

Consumers who are planning to start their credit journey and looking for a basic credit card