Review published fees, rewards, caps, eligibility and benefits side by side. Return to the catalogue to change your selection.
Compare every selected card in one table.
Swipe sideways to see all 2 cards.
| Feature | RBL Bank IRCTC RBL Bank Credit Card | SBI Card Tata Neu Plus SBI Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | RBL Bank | SBI Card |
| Network | Mastercard + RuPay | Visa + RuPay |
| Annual fee | ₹500 + GST per year | ₹499 + GST per year |
| Annual fee waiver | No waiver recorded | At ₹1,00,000 annual spending |
| Base reward rate | 0.5% | 1% |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | No general cap recorded | No general cap recorded |
| RuPay credit card on UPI | Eligible for merchant UPI payments | Eligible for merchant UPI payments |
| Airport lounge access | No complimentary airport lounge access recorded | 4 domestic airport lounge visits per year |
| Forex markup | 3.5% | 3.5% |
| Monthly income requirement | Not listed | Not listed |
| Terms verified | 23 Sept 2026 | 23 Sept 2026 |
| Best suited to | Frequent IRCTC rail travellers who also want a UPI-enabled card. | Tata Neu users who want a low-fee RuPay card and occasional domestic lounge access. |
| Main trade-off | Railway lounges are not airport lounges. Each accelerated channel has a 1,000-point billing-cycle cap, broad categories are excluded, and offline RuPay UPI purchases below ₹2,000 at small merchants do not earn points. | The separate NeuPass layer can make selected Tata Neu journeys advertise up to 7%, but only 2% is the card earn. UPI and regulated categories have monthly caps and several transaction types earn nothing. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
