Traveling by train is a popular choice in India, and having a specialized credit card can enhance the experience with various benefits. Let’s compare two prominent train credit cards: the IRCTC RuPay SBI Credit Card and the IRCTC RBL Bank Credit Card
IRCTC RuPay SBI Credit Card
- Joining Fee: ₹500 + GST
- Reward Rate:
- 1 Reward Point for every ₹125 spent on retail purchases and railway ticket bookings
- 10% value back as Reward Points
- Welcome Benefits: 350 Reward Points (worth ₹350) on a minimum transaction of ₹500
- Travel Benefits:
- 4 complimentary railway lounge accesses per year
- Accommodation at over 5000 hotels across 350 cities in India
- Fuel Surcharge Waiver: 1% on transactions between ₹500 to ₹3,000 (max ₹100 per statement cycle)
- Payment Options: Link to UPI apps, Flexipay for easy monthly installments
IRCTC RBL Bank Credit Card
- Joining Fee: ₹500 + GST
- Reward Rate:
- 5 Reward Points for every ₹200 spent on train bookings (2.5% reward rate)
- 2 Reward Points for every ₹200 spent on flights, cruises, and hotels
- Welcome Benefits: 500 Reward Points and ₹100 cashback on the first transaction
- Travel Benefits:
- Complimentary railway lounge access twice every quarter
- National Common Mobility Card for seamless payments at metro and bus stations
- Insurance Cover: Protection for train cancellations
Comparison Overview
| Feature | IRCTC RuPay SBI Credit Card | IRCTC RBL Bank Credit Card |
|---|---|---|
| Joining Fee | ₹500 + GST | ₹500 + GST |
| Renewal Fee | ₹300 + GST | ₹500 + GST |
| Reward Rate | 1 RP per ₹125 | 5 RP per ₹200 (train bookings) |
| 1 RP for eligible purchases | 2 RP per ₹200 (flights, hotels) | |
| Welcome Benefits | 350 RP on ₹500 transaction | 500 RP + ₹100 cashback |
| Travel Benefits | 4 lounge accesses per year | 2 lounge accesses per quarter |
Both cards are excellent for frequent train travelers, offering unique rewards and benefits. The IRCTC RuPay SBI Credit Card is more versatile for various retail purchases, while the IRCTC RBL Bank Credit Card provides higher rewards on train bookings and additional travel perks. Choose the one that best fits your travel habits and preferences to maximize rewards and enjoy your journey!