IRCTC SBI Card Premier VS Adani One Signature Credit Card VS Airtel Axis Bank Credit Card VS AU Altura Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
IRCTC SBI Card Premier
Adani One Signature Credit Card
Airtel Axis Bank Credit Card
AU Altura Credit Card
Who is it for?
Who is it for?
Who is it for?
Who is it for?
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.
Pros
Key benefits and features.
Significant welcome benefits worth ₹9,000 effectively offset the first year's joining fee.
Earn a high reward rate of 7% on all your spends within the extensive Adani ecosystem.
Enjoy extensive travel benefits including lounge access, premium parking, valet, and meet-and-greet services.
Complimentary airport lounge access, both domestic and international, without any spend-based conditions.
Benefit from valuable movie ticket discounts via BookMyShow, saving up to ₹1,000 monthly.
Pros
Key benefits and features.
Offers 10% value back on Zomato, Blinkit, and District Movies (up to ₹200 per partner per month).
Provides 25% cashback on Airtel services and 10% on utility bills via Airtel Thanks app.
Includes a 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000.
Pros
Key benefits and features.
Enjoy significant savings with up to 2% cashback on daily essential spends.
Benefit from a monthly milestone cashback of Rs. 50 on spending Rs. 10,000.
Access complimentary railway lounges in India, enhancing your travel experience.
Receive a 1% fuel surcharge waiver, providing savings on your fuel expenses.
Offers zero liability protection, safeguarding against unauthorized card use.
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.
Cons
Key drawbacks and limitations.
The Adani One ICICI Bank Signature Credit Card offers no explicit renewal benefits.
A high annual spend threshold of ₹6 Lakh is required to achieve the annual fee waiver.
Reward points are not earned on key categories like EMIs, fuel, and rent payments.
Its strong focus on the Adani ecosystem might not appeal to a wider, general audience.
Cons
Key drawbacks and limitations.
Reward structure is complicated; higher cashback depends on 1% category spend.
Complimentary airport lounge access has been removed after the devaluation.
The card is not lifetime free and comes with an annual fee, though it can be waived.
Cons
Key drawbacks and limitations.
Cashback earnings are capped per statement cycle, limiting overall savings potential.
No cashback is provided on key transaction types like fuel, rent, and wallet spends.
The card does not provide any complimentary airport lounge access.
A foreign currency markup of 3.49% applies to international spends.