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Matching your question with relevant cards and trade-offs.
Grounded in verified card data — exact cards, ranked matches, comparisons, and an honest no-result when we cannot confirm.
Ranked by how well they match the query, not by commission.
SimplifyCards take: Top 5 picks for this query.
Optimized for railway and irctc.
Optimized for indigo and flights, featuring low 1.99% forex markup and complimentary lounge access.
Optimized for travel and air miles, featuring low 1.99% forex markup and complimentary lounge access.
Pick one so SimplifyCards can rank more accurately.
Spend level changes whether premium cards are worth the fee.
| Feature | IRCTC SBI Card on RuPay | IndiGo SBI Card ELITE | SBI Card MILES ELITE |
|---|---|---|---|
| Best for | railway, irctc, travel | indigo, flights, travel | travel, air miles, hotel points |
| Reward rates | 0.8% - Base reward rate upto 10% - accelerated reward rate | 2% - Base reward rate upto 7% - accelerated reward rate | 1% - Base reward rate upto 3% - accelerated reward rate *considering using accor redemption |
| Annual fee | Rs 500 | Rs 4,999 | Rs 4,999 |
| Fee waiver spend | - | - | Rs 15 lakhs |
| Domestic lounge | 0 | 8 | 8 |
| International lounge | 0 | 6 | 6 |
| Forex markup | 3.5% | 1.99% | 1.99% |