Compare : IRCTC SBI Platinum Credit Card vs SBI Card PRIME

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

E-gift vouchers worth Rs. 3,000 from any of the top brands amongst Bata/Hush Puppies, Pantaloons, Shoppers Stop, Yatra, Aditya Birla and more

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

10 reward points for every Rs. 100 spent on dining, groceries, departmental stores and movies

2 reward points for every Rs. 100 spent on all other retail purchases, except for fuel

20 reward points for every Rs. 100 spent on birthday

Value of 1 Reward Point = Rs. 0.25

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

4 complimentary international lounge visits and 8 complimentary domestic lounge visits in a year

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

5X reward points on dining, movies, grocery and departmental store spends

Milestone benefits worth Rs. 11,000 in a year on spending Rs. 5 Lakh or more

Complimentary domestic and international lounge visits

Benefits on hotel, golf, dining and more (based on card network)

Benefits on no other spending category apart from train travel

Base reward rate stands quite low at 0.8%

Low reward redemption value of Rs. 0.25

No other travel benefits except complimentary lounge access

Annual fee of Rs. 2,999 is quite high for the set of benefits offered

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

Frequent travellers and heavy spenders who can maximize the benefit of high reward rate along with other travel features