Check below for a comparison between IRCTC SBI Card Platinum vs ICICI Platinum credit card or ICICI Platinum credit card vs IRCTC SBI Card Platinum and find which is better –

In the realm of credit cards, the IRCTC SBI Card Platinum and the ICICI Platinum Credit Card emerge as distinct options, each designed to cater to specific financial needs and preferences.

The IRCTC SBI Card Platinum is tailored for travel enthusiasts, offering exclusive benefits and rewards for railway bookings and lifestyle expenditures. In contrast, the ICICI Platinum Credit Card presents a versatile array of privileges, spanning from dining to entertainment.

This comprehensive comparison delves into the intricacies of rewards programs, fees, and additional perks, empowering you to make an informed decision aligned with your spending habits and lifestyle aspirations.

Explore the unique advantages each card brings to the table, guiding you towards a credit card that complements your individual preferences and financial goals.

Overview of IRCTC SBI Card Platinum

SBI, a leading card issuer in India, has introduced the IRCTC SBI Platinum Credit Card in collaboration with Indian Railways.

Despite its reasonable cost of Rs 500 plus taxes, this card provides commendable rewards and privileges.

Within the initial 45 days, cardholders can accrue 350 bonus reward points by spending Rs. 500.

Additionally, a 10% value back in the form of reward points is offered when booking train tickets through IRCTC’s website. The card also grants a 1% fuel surcharge waiver at gas stations nationwide.

Overview of ICICI Platinum credit card

ICICI Bank’s Platinum Chip credit card is a cost-effective choice with its zero annual fee, ensuring substantial savings on every transaction.

This card empowers you to earn up to 2 Reward Points on each purchase, with the freedom to redeem these points for various rewards, including cashback. Furthermore, it offers attractive discounts on dining experiences at 2500+ restaurants across India through the ICICI Bank Culinary Treats Programme.

Additionally, users can avail themselves of a 1% savings on all fuel transactions at HPCL pumps.

IRCTC SBI Card Platinum vs ICICI Platinum credit card

Features/Charges	IRCTC SBI Card Platinum	ICICI Platinum Chip Credit Card
Joining Fees	Rs. 1,499	NIL
Annual Fees	Rs. 1,499	NIL
Welcome Benefits	Initial perks amounting to Rs. 1500	N/A
Cashback / Rewards point	Earning 3 Reward Points is possible with a Rs. 125 expenditure on dining and utility bills, while other non-fuel purchases yield 1 reward point.	Collect 2 Reward Points for each Rs. 100 spent on retail.
Dining benefits	N/A	Use this card to avail yourself of a 15% discount on dining experiences.
Travel benefits	Enjoy up to 8 free visits to railway lounges annually, distributed at a maximum of 2 visits per quarter, within India	N/A
Annual fees waiver	The waiver of the annual fee depends on the expenditure made on this card in the preceding year.	N/A
Fuel surcharge waiver	Obtain a 1% discount on the fuel surcharge when utilizing this card at fuel stations nationwide.	Make use of this card and benefit from a 1% fuel surcharge waiver at any HPCL petrol station in India.