Check below for a comparison between the SBI SimplySave credit card vs IRCTC SBI Platinum Credit or IRCTC SBI Platinum Credit vs SBI SimplySave credit card and find which is better –
In the realm of credit cards, the choice between the SBI SimplySave Credit Card and the IRCTC SBI Platinum Credit Card unfolds as a pivotal decision for individuals seeking versatile financial solutions.
The SBI SimplySave Credit Card is renowned for its simplicity and practicality, offering cashback rewards on everyday expenditures like groceries, dining, and fuel.
On the other hand, the IRCTC SBI Platinum Credit Card caters to the travel enthusiast, providing exclusive benefits and rewards related to railway bookings and associated expenses.
This comprehensive comparison scrutinizes the unique attributes of each card, empowering users to make an informed decision based on their specific spending habits and lifestyle preferences.
Whether you prioritize cashback on routine purchases or seek travel-centric benefits, understanding the nuanced features of these SBI credit cards will guide you toward the one that seamlessly aligns with your financial goals and individual preferences.
Table of Contents
Overview of SBI SimplySave credit card
Obtain 1 Reward Point for each Rs. 100 spent, enjoying a competitive 0.25% Reward Rate.
Unlock increased benefits with 10 times more reward points when utilizing this card for Dining, movies, departmental stores, and grocery expenses, among other eligible transactions.
Begin your credit experience with the enticing offer of 2000 bonus reward points. This card distinguishes itself by providing additional reward points for grocery, movie, and departmental store purchases—especially beneficial for newcomers in the credit world seeking savings on their everyday necessities.
Moreover, receive an annual fee waiver upon spending Rs. 1 lakh or more.
Overview of IRCTC SBI Platinum Credit
The IRCTC SBI Platinum Credit Card, a collaboration between SBI and Indian Railways, is now available at an affordable price of Rs 500 plus taxes.
Despite its cost-effective nature, this card offers attractive rewards and privileges. Users can earn 350 bonus reward points by spending Rs. 500 within the initial 45 days.
Furthermore, a 10% value back in the form of reward points is provided for train ticket bookings on IRCTC’s website. Additionally, cardholders enjoy a 1% fuel surcharge waiver at gas stations throughout India.
SBI SimplySave credit card vs IRCTC SBI Platinum Credit
| Features/Charges | SBI SimplySave Credit Card | IRCTC SBI Card Platinum |
|---|---|---|
| Joining Fees | Rs. 499 + taxes | Rs. 1,499 |
| Annual Fees | Rs. 499 + taxes | Rs. 1,499 |
| Welcome Benefits | A welcome bonus totaling Rs. 1500 | Welcome benefits of Rs.1500* |
| Cashback / Rewards point | Acquire 3 Reward Points when you spend Rs. 125 on dining and various utility bills, and gain 1 reward point for other non-fuel purchases. | Earn 3 Reward Points on spend of Rs. 125 for dining and other utility bills, and 1 reward point on other non-fuel purchase |
| Dining benefits | N/A | N/A |
| Travel benefits | Receive a maximum of 8 complimentary visits to railway lounges each year, with a limit of 2 visits per quarter, all across India | Get upto 8 complimentary visits to railway lounges every year (2 each quarter) within India* |
| Annual fees waiver | The annual fee is exempted based on the spending undertaken in the previous year using this card. | An annual fee waiver is based on spending done in previous year on this card |
| Fuel surcharge waiver | Enjoy a 1% exemption on the fuel surcharge when using this card at fuel stations throughout the country. | An annual fee waiver is based on spending done in the previous year on this card |
