Compare : IRCTC SBI Platinum Credit Card vs MMT ICICI 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

Rs. 500 My Cash & Rs. 3,000 MakeMyTrip holiday voucher

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

3 My Cash per Rs. 200 spent on hotel/ holiday booking via MMT

2 My Cash per Rs. 200 spent on flight booking via MMT

1.25 My Cash per Rs. 200 spent on international transactions outside MMT portal

1 My Cash per Rs. 200 spent on domestic transactions outside MMT

1 My Cash = Rs. 1, redeemable on MMT

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

1 complimentary domestic airport lounge access on Rs. 5,000 quarterly spends

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

Welcome benefits worth Rs. 3,500

Up to 3X My Cash per Rs. 200 spent with 1:1 redemption ratio

25% off, up to Rs. 300 off per month, on movies

Benefits on no other spending category apart from train travel

Base reward rate stands quite low at 0.8%

Rewards redemption limited to just MMT bookings

Quarterly spend based domestic lounge access & no international lounge access

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

People who travel frequently, are MakeMyTrip loyalists and frequently go out to watch movies