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SBI Card · SBI Card
Cashback vs IRCTC Platinum
Side-by-side. The card that earns more depends on where you spend, Tapwise crunches the actual numbers for your wallet.
Winner
70composite score
95% rule confidence
95% rule confidence
Winner
44composite score
82% rule confidence
82% rule confidence
Annual fee
₹999
₹500
Network
Visa
RuPay
Base reward rate
5%
0.8%
Min. income (monthly)
₹30,000
₹25,000
Min. credit score
700+
700+
Best for
Online shopping
Travel
Bonus reward categories differ, see the rule tables on each card's detail page for the fine print.
Tapwise verdict
Cashback edges out for most wallets.
- Better base rate, 5% vs 0.8% on everything outside a bonus bucket.
Composite score
Cashback70
IRCTC Platinum44
Scored on fee, base rate, qualification, and rule confidence. Tapwise's personal recommendation also weighs your actual spending.
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