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SimplifyCards take: For an SBI card focused on travel with a low annual fee, the IRCTC SBI Platinum Card is an excellent choice, though it offers travel rewards rather than direct cashback. With an annual fee of Rs 500, it's tailored for railway travel and includes benefits like 4 complimentary domestic railway lounge accesses annually. A suitable alternative is the IRCTC SBI Card on RuPay, which also has a low annual fee of Rs 500 and is geared towards railway travel, but it does not include lounge access.
Optimized for railway and irctc, featuring complimentary lounge access.
Optimized for railway and irctc.
Optimized for indigo and flights, featuring low 1.99% forex markup and complimentary lounge access.
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Spend level changes whether premium cards are worth the fee.
| Feature | IRCTC SBI Platinum Card | IRCTC SBI Card on RuPay | IndiGo SBI Card ELITE |
|---|---|---|---|
| Best for | railway, irctc, travel | railway, irctc, travel | indigo, flights, travel |
| Reward rates | 0.8% - Base reward rate upto 8% - accelerated reward rate | 0.8% - Base reward rate upto 10% - accelerated reward rate | 2% - Base reward rate upto 7% - accelerated reward rate |
| Annual fee | Rs 500 | Rs 500 | Rs 4,999 |
| Domestic lounge | 4 | 0 | 8 |
| International lounge | 0 | 0 | 6 |
| Forex markup | 3.5% | 3.5% | 1.99% |