Skip to main content

IRCTC RBL Bank Credit Card VS IRCTC SBI Card Premier

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.

Features

IRCTC RBL Bank Credit Card
IRCTC RBL Bank Credit Card
IRCTC SBI Card Premier
IRCTC SBI Card Premier

Fees & Charges

Joining Fee
₹500 + GST
₹1,499 + GST
Renewal Fee
₹500 + GST
₹1,499 + GST
Spend Based Waiver
Not Applicable
Renewal fee waived on achieving annual spends of ₹2 Lakhs.
Foreign Transaction Fees
3.5% on all international transactions.
3.5% markup on all international transactions.
Interest Rate (APR)
2.5% to 3.99% per month on outstanding balances.
Monthly interest rate of 3.5% (approx 42% per annum).

Rewards & Benefits

Welcome Bonus
Earn 500 Reward Points on spending ₹500 within 30 days of card issuance.
Get 1500 Reward Points (worth ₹1500) on payment of the first annual fee.
Rewards Rate
2.5% effective reward rate on IRCTC train bookings (5 RP for every ₹200 spent).
Up to 10% value back on IRCTC railway bookings. 3 RP/₹125 on dining & utilities. 1 RP/₹125 on other retail.
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
₹99 + GST per redemption.
A fee of ₹99 is applicable per rewards redemption request.

Travel & Lifestyle

Domestic Lounge Access
8 complimentary railway lounge visits annually at select railway stations across India.
8 complimentary railway lounge accesses annually across India (max 2 per quarter) for primary cardholders.
International Lounge Access
Not Applicable
Travel Benefits
8 complimentary railway lounge visits annually, 1% IRCTC transaction waiver & train cancellation cover.
8 complimentary railway lounge access annually (max 2/quarter). Waivers on IRCTC railway/airline booking charges.
Movie Benefits
Not Applicable
Dining Benefits
Not Applicable
Earn 3 Reward Points per ₹125 spent on Dining expenses.
Golf Benefits
Not Applicable
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions.
1% waiver on fuel transactions between ₹500-₹4000 (max ₹250/cycle).

Security & Other

Insurance Benefits
Train cancellation cover up to ₹5,000 for IRCTC RBL Bank Credit Card holders.
Complimentary fraud liability cover of ₹1 lakh & overseas accident cover of ₹50 lakh.
Cash Advance Charges
2.5% of amount withdrawn or minimum ₹500.
2.5% of cash advance or ₹500, whichever is higher.
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

IRCTC RBL Bank Credit Card

IRCTC SBI Card Premier

Who is it for?

The IRCTC RBL Bank Credit Card is a co-branded offering designed for frequent travelers, particularly those who book through IRCTC. It offers exceptional value with a low joining fee and up to 40X benefits. As a RuPay NCMC card, it simplifies daily commuting with tap-and-pay for public transport. Cardholders enjoy high reward rates on train bookings, complimentary railway lounge access, and train cancellation insurance, making it an ideal companion for railway commuters and urban travelers.

Who is it for?

The IRCTC SBI Card Premier is a co-branded credit card from SBI Card and IRCTC, tailored for frequent railway travelers. It offers a welcome bonus of 1,500 Reward Points, accelerated earnings on IRCTC transactions, dining, and utility spends. Cardholders enjoy complimentary railway lounge access and significant savings on railway, flight, and hotel bookings. An annual fee waiver on specific spending milestones further enhances its value, making it a comprehensive choice for travel and lifestyle benefits.

Pros

Key benefits and features.

Highly rewarding with 2.5% rate on IRCTC train bookings for frequent railway commuters.

NCMC functionality allows convenient tap-and-pay across various public transport systems.

Enjoy 8 complimentary railway lounge access visits per year for enhanced travel comfort.

Provides 1% IRCTC transaction charge waiver and valuable train cancellation insurance.

As a RuPay card, it supports secure and swift UPI payments for daily transactions.

Pros

Key benefits and features.

Offers significant savings and rewards for frequent Indian Railways travelers.

Generous 1:1 reward point value, with 1500 bonus points offsetting joining fee.

Enjoy complimentary railway lounge access and waivers on IRCTC booking fees.

Achieve annual fee waiver on spends over Rs. 2 Lakhs, enhancing long-term value.

Cons

Key drawbacks and limitations.

Primarily focuses on travel benefits, offering limited rewards for non-travel expenses.

Lacks specific benefits or discounts for common categories like movies or dining.

Redeeming reward points incurs an additional fee of ₹99 + GST per transaction.

High foreign currency markup of 3.5% makes international spending less attractive.

Cons

Key drawbacks and limitations.

A redemption fee of Rs. 99 applies to each reward point redemption request.

High foreign currency markup of 3.5% for all international transactions.

Certain valuable insurance benefits like air/rail accident cover will be discontinued.

A 1% charge is levied on online railway ticket cancellations booked with the card.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.