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IRCTC SBI Platinum Card VS SBI SimplyCLICK 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: 21 July 2026

Both SBI SimplyCLICK Credit Card and IRCTC SBI Platinum Card suit shopping-focused spenders, but they earn and cost differently. SBI SimplyCLICK Credit Card costs ₹499 + GST and earns 10X Reward Points per ₹100 on online purchases at partner merchants; 5X on other online; 1X on offline. IRCTC SBI Platinum Card costs ₹500 + GST and earns up to 10% value back on IRCTC bookings and 1 Reward Point per Rs. 125 on other retail spends. SBI SimplyCLICK Credit Card also brings amazon.in e-Gift Card worth ₹500 upon payment of the Annual Fee, while IRCTC SBI Platinum Card counters with 4 complimentary railway lounge access in a year in India (maximum 1 per quarter) for primary cardholders. If shopping spending matters more, go with SBI SimplyCLICK Credit Card; if travel is the priority, IRCTC SBI Platinum Card fits better.

IRCTC SBI Platinum Card
IRCTC SBI Platinum Card
SBI SimplyCLICK Credit Card
SBI SimplyCLICK Credit Card

Fees & Charges

Joining Fee₹500 + GST
Joining Fee₹499 + GST
Renewal Fee₹500 + GST
Renewal Fee₹499 + GST
Spend Based Waiver1% fuel surcharge waiver (Rs. 500-3000, max Rs. 100/cycle) and 1% IRCTC transaction charge waiver.
Spend Based WaiverAnnual renewal fee is waived if annual spends for the previous year are ₹1,00,000 or more.
Foreign Transaction Fees
Foreign Transaction Fees3.5% of the total transaction amount.
Interest Rate (APR)
Interest Rate (APR)3.75% Per Month (45% Yearly).

Rewards & Benefits

Welcome BonusGet 350 activation bonus Reward Points on a single transaction of Rs. 500 or more within 60 days.
Welcome BonusAmazon.in e-Gift Card worth ₹500 upon payment of the Annual Fee.
Rewards RateEarn up to 10% value back on IRCTC bookings and 1 Reward Point per Rs. 125 on other retail spends.
Rewards Rate10X Reward Points per ₹100 on online purchases at partner merchants; 5X on other online; 1X on offline.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption Fee
Reward Redemption Fee₹99 + GST

Travel & Lifestyle

Domestic Lounge Access4 complimentary railway lounge access in a year in India (maximum 1 per quarter) for primary cardholders.
Domestic Lounge Access
International Lounge Access
International Lounge Access
Travel BenefitsBook airline tickets and tailor-made travel packages via IRCTC; save 1% transaction charges on railway bookings.
Travel BenefitsMilestone e-vouchers from ClearTrip/Yatra worth ₹2,000 each on annual online spending.
Movie Benefits
Movie Benefits10X Reward Points on BookMyShow.
Dining Benefits
Dining Benefits10X Reward Points on Dominos and Swiggy.
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% fuel surcharge waiver on transactions of Rs. 500 to Rs. 3,000, with a maximum waiver of Rs. 100 per statement cycle.
Fuel Surcharge Waiver1% fuel surcharge waived on transactions between ₹500-₹3,000; max waiver ₹100/cycle.

Security & Other

Insurance Benefits
Insurance Benefits
Cash Advance Charges
Cash Advance Charges2.5% of withdrawal amount or minimum ₹500.
Apply Now(opens in new tab)
Apply Now(opens in new tab)
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

IRCTC SBI Platinum Card

SBI SimplyCLICK Credit Card

Who is it for?

The IRCTC SBI Platinum Card, issued by SBI Card, is a travel-centric credit card designed for frequent railway travelers. It offers significant value back on IRCTC ticket bookings, complimentary railway lounge access, and a fuel surcharge waiver, making it a rewarding option for those who frequently use Indian Railways.

Who is it for?

The SBI SimplyCLICK Credit Card is an entry-level offering from SBI Card, ideal for individuals seeking a straightforward shopping credit card with minimal charges and a decent reward rate, especially for online purchases. It offers 10X Reward Points on partner brands, an Amazon gift card as a welcome benefit, and the opportunity to earn gift vouchers worth up to ₹4,000 annually through milestone spends, making it perfect for frequent online shoppers.

Pros

Key benefits and features.

High value back on IRCTC bookings, making it ideal for frequent train travelers.

Enjoy complimentary railway lounge access, enhancing your travel comfort and experience.

Benefit from a 1% fuel surcharge waiver, saving money on your regular fuel expenses.

Earn valuable reward points on all non-fuel retail purchases, redeemable on IRCTC.

Get 1% transaction charge waiver on railway ticket bookings via IRCTC website.

Pros

Key benefits and features.

Offers an excellent reward rate on several online shopping brands, making it ideal for frequent online shoppers.

Comes with an affordable annual fee of ₹499, making it accessible for entry-level users.

The annual fee can be easily waived by spending ₹1 lakh in the previous year.

Includes a welcome voucher worth ₹500 from Amazon, adding immediate value to the card.

Provides milestone vouchers worth up to ₹4,000 annually on achieving spend targets.

Cons

Key drawbacks and limitations.

The card's primary benefits are highly specific to IRCTC, limiting broader utility.

Reward points are mainly redeemable on IRCTC, offering limited redemption flexibility.

A 1% charge is debited for railway ticket cancellations, which can add to costs.

The fuel surcharge waiver is capped at Rs. 100 per month, limiting potential savings.

No international lounge access or significant global travel benefits beyond acceptance.

Cons

Key drawbacks and limitations.

Does not offer complimentary domestic or international lounge access, limiting travel perks.

Lacks comprehensive insurance benefits, which might be a concern for some cardholders.

Reward redemption options, while available, might feel limited compared to premium credit cards.

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 Platinum Card(opens in new tab)Apply for SBI SimplyCLICK Credit Card(opens in new tab)