Preparing your answer...
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: While you're looking for a cashback card, the IRCTC SBI Platinum Card is an excellent choice for travel, especially if your primary travel is via railways, and it comes with a low annual fee of Rs 500. This card is ideal for railway bookings and offers travel-focused benefits that can provide value beyond its cost, with joining and renewal benefits estimated to add about Rs 675 per year. Key features include rewards on IRCTC bookings and 4 complimentary domestic railway lounge accesses annually. For a similar low-fee alternative that also focuses on railway travel but without lounge access, consider the IRCTC SBI Card on RuPay.
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.
Pick one so SimplifyCards can rank more accurately.
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% |