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IRCTC SBI Card Premier VS YES Prosperity Cashback Plus Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 18 July 2026

Both IRCTC SBI Card Premier and YES Prosperity Cashback Plus Credit Card suit utilities-focused spenders, but they earn and cost differently. IRCTC SBI Card Premier costs ₹1,499 + GST and earns up to 10% value back on IRCTC railway bookings. 3 RP/₹125 on dining & utilities. 1 RP/₹125 on other retail. YES Prosperity Cashback Plus Credit Card costs ₹1,499 + GST and earns 0.75% cashback on all retail purchases. 5% cashback on movies, groceries, and utility bills. IRCTC SBI Card Premier also brings 8 complimentary railway lounge accesses annually across India (max 2 per quarter) for primary cardholders, while YES Prosperity Cashback Plus Credit Card counters with credit shield cover in case of accidental death of the primary cardholder. If travel spending matters more, go with IRCTC SBI Card Premier; if shopping is the priority, YES Prosperity Cashback Plus Credit Card fits better.

IRCTC SBI Card Premier
IRCTC SBI Card Premier
YES Prosperity Cashback Plus Credit Card
YES Prosperity Cashback Plus Credit Card

Fees & Charges

Joining Fee₹1,499 + GST
Joining Fee₹1,499 + GST
Renewal Fee₹1,499 + GST
Renewal Fee₹1,499 + GST
Spend Based WaiverRenewal fee waived on achieving annual spends of ₹2 Lakhs.
Spend Based WaiverNot applicable.
Foreign Transaction Fees3.5% markup on all international transactions.
Foreign Transaction Fees3.5% of the total transaction amount.
Interest Rate (APR)Monthly interest rate of 3.5% (approx 42% per annum).
Interest Rate (APR)3.5% per month.

Rewards & Benefits

Welcome BonusGet 1500 Reward Points (worth ₹1500) on payment of the first annual fee.
Welcome BonusGet a cashback of Rs. 250 on a minimum spend of Rs. 2,500 within the first 30 days.
Rewards RateUp to 10% value back on IRCTC railway bookings. 3 RP/₹125 on dining & utilities. 1 RP/₹125 on other retail.
Rewards Rate0.75% on all retail purchases; 5% on movies, groceries, utility bills.
Reward TypeReward Points
Reward TypeCashback
Reward Redemption FeeA fee of ₹99 is applicable per rewards redemption request.
Reward Redemption FeeRs. 100 on every redemption request.

Travel & Lifestyle

Domestic Lounge Access8 complimentary railway lounge accesses annually across India (max 2 per quarter) for primary cardholders.
Domestic Lounge Access
International Lounge Access
International Lounge Access
Travel Benefits8 complimentary railway lounge access annually (max 2/quarter). Waivers on IRCTC railway/airline booking charges.
Travel Benefits
Avail exciting offers on travel through Yes Privileges.
Movie Benefits
Movie Benefits5% cashback on movie ticket bookings (capped at Rs. 100 per statement cycle).
Dining BenefitsEarn 3 Reward Points per ₹125 spent on Dining expenses.
Dining Benefits
Avail exciting offers on dining through Yes Privileges.
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% waiver on fuel transactions between ₹500-₹4000 (max ₹250/cycle).
Fuel Surcharge Waiver1% waiver for transactions Rs. 400-5,000, max Rs. 125/month.

Security & Other

Insurance BenefitsComplimentary fraud liability cover of ₹1 lakh & overseas accident cover of ₹50 lakh.
Insurance BenefitsCredit shield cover and zero liability protection.
Cash Advance Charges2.5% of cash advance or ₹500, whichever is higher.
Cash Advance Charges2.5% of withdrawn amount or Rs. 300, whichever is higher.
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Apply Now(opens in new tab)
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

IRCTC SBI Card Premier

YES Prosperity Cashback Plus Credit Card

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.

Who is it for?

The YES Prosperity Cashback Plus Credit Card is a cashback-centric credit card from YES Bank, offering 0.75% cashback on general retail spends and a higher 5% on groceries, movies, and utility bills. It includes a welcome cashback offer, credit shield cover, and zero liability protection. While it has a joining and annual fee, active users can offset these through significant cashback savings. This card is ideal for individuals who prioritize savings on everyday expenses, especially in specific high-spend categories.

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.

Enjoy a decent 0.75% cashback on all general retail spending, excluding fuel.

Benefit from a significant 5% cashback on groceries, movies, and utility bill payments.

Receive a welcome cashback of Rs. 250 on initial spends within the first 30 days.

Includes essential insurance benefits like credit shield and zero liability protection.

Offers a 1% fuel surcharge waiver for transactions between Rs. 400-5,000 monthly.

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.

Monthly caps on 5% cashback categories limit the total potential savings.

The card carries a joining and annual fee of Rs. 1,499 plus applicable GST.

A redemption fee of Rs. 100 is charged for every cashback redemption request.

High foreign currency markup of 3.5% makes international transactions expensive.

This credit card product has been discontinued, so new applications are not possible.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for IRCTC SBI Card Premier(opens in new tab)Apply for YES Prosperity Cashback Plus Credit Card(opens in new tab)