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SBI Card · SBI Card
IRCTC Platinum vs IRCTC Premier
Side-by-side. The card that earns more depends on where you spend, Tapwise crunches the actual numbers for your wallet.
Winner
44composite score
82% rule confidence
82% rule confidence
Winner
43composite score
95% rule confidence
95% rule confidence
Annual fee
₹500
₹1,500
Network
RuPay
RuPay
Base reward rate
0.8%
0.8%
Min. income (monthly)
₹25,000
—
Min. credit score
700+
—
Best for
Travel
Everyday spends
Bonus reward categories differ, see the rule tables on each card's detail page for the fine print.
Tapwise verdict
IRCTC Platinum edges out for most wallets.
- Lighter annual fee, ₹500 vs ₹1,500.
Composite score
IRCTC Platinum44
IRCTC Premier43
Scored on fee, base rate, qualification, and rule confidence. Tapwise's personal recommendation also weighs your actual spending.
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