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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.

Features

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
₹1,499 + GST
Renewal Fee
₹1,499 + GST
₹1,499 + GST
Spend Based Waiver
Renewal fee waived on achieving annual spends of ₹2 Lakhs.
Not applicable
Foreign Transaction Fees
3.5% markup on all international transactions.
3.4% on all foreign currency spends.
Interest Rate (APR)
Monthly interest rate of 3.5% (approx 42% per annum).
3.5% per month.

Rewards & Benefits

Welcome Bonus
Get 1500 Reward Points (worth ₹1500) on payment of the first annual fee.
Get a cashback of Rs. 250 on a minimum spend of Rs. 2,500 within the first 30 days after receiving your card.
Rewards Rate
Up to 10% value back on IRCTC railway bookings. 3 RP/₹125 on dining & utilities. 1 RP/₹125 on other retail.
0.75% cashback on all retail purchases. 5% cashback on movies, groceries, and utility bills.
Reward Type
Reward Points
Cashback
Reward Redemption Fee
A fee of ₹99 is applicable per rewards redemption request.
Rs. 100 on every redemption request.

Travel & Lifestyle

Domestic Lounge Access
8 complimentary railway lounge accesses annually across India (max 2 per quarter) for primary cardholders.
Not Applicable
International Lounge Access
Not Applicable
Travel Benefits
8 complimentary railway lounge access annually (max 2/quarter). Waivers on IRCTC railway/airline booking charges.
Avail exciting offers on travel through Yes Privileges.
Movie Benefits
5% cashback on movie ticket bookings, capped at Rs. 100 per statement cycle for transactions ≥ Rs. 100.
Dining Benefits
Earn 3 Reward Points per ₹125 spent on Dining expenses.
Avail exciting offers on dining through Yes Privileges.
Golf Benefits
Not Applicable
Fuel Surcharge Waiver
1% waiver on fuel transactions between ₹500-₹4000 (max ₹250/cycle).
1% waiver for transactions between Rs. 400-5,000, capped at Rs. 125 per month.

Security & Other

Insurance Benefits
Complimentary fraud liability cover of ₹1 lakh & overseas accident cover of ₹50 lakh.
Credit shield cover in case of accidental death of the primary cardholder.
Cash Advance Charges
2.5% of cash advance or ₹500, whichever is higher.
2.5% of withdrawn amount or Rs. 300, whichever is higher.
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 offers competitive cashback on all retail spends, boosted to 5% on specific categories like movies, groceries, and utility bills. It includes a valuable welcome cashback, fuel surcharge waiver, and essential protection like credit shield cover and zero liability protection. This card is well-suited for individuals looking to maximize savings on everyday spending.

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 competitive cashback rates on all retail spending and enhanced rates on specific categories.

Benefit from a valuable welcome cashback offer and a useful fuel surcharge waiver.

Receive essential protection including credit shield cover and zero liability for card security.

Access exciting discounts and offers on travel, shopping, dining, and wellness.

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 card has a notable joining fee and renewal fee of Rs. 1,499 + GST.

A redemption fee of Rs. 100 is charged on every rewards redemption request.

International spending incurs a relatively high foreign currency markup of 3.4%.

Specific cashback categories like movies and groceries have a low cap of Rs. 100 per cycle.

The monthly fuel surcharge waiver is capped at a modest amount of Rs. 125.

Ready to Choose?

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