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Ranked by how well they match the query, not by commission.
Lifetime free card, Optimized for lifetime free and rewards.
Optimized for railway and irctc, featuring complimentary lounge access.
Optimized for railway and irctc.
Pick one so SimplifyCards can rank more accurately.
Spend level changes whether premium cards are worth the fee.
Optimized for dining and movies, featuring complimentary lounge access.
Optimized for cashback and travel.
| Feature | HSBC Visa Platinum Credit Card | IRCTC SBI Platinum Card | IRCTC SBI Card on RuPay |
|---|---|---|---|
| Best for | lifetime free, rewards, air miles | railway, irctc, travel | railway, irctc, travel |
| Reward rates | 1.3% - Base reward rate upto 8% - accelerated reward rate *considering using accor redemption | 0.8% - Base reward rate upto 8% - accelerated reward rate | 0.8% - Base reward rate upto 10% - accelerated reward rate |
| Annual fee | Rs 0 | Rs 500 | Rs 500 |
| Domestic lounge | 0 | 4 | 0 |
| International lounge | 0 | 0 | 0 |
| Forex markup | 3.5% | 3.5% | 3.5% |