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| Feature | SBI Card IRCTC SBI Card RuPay | RBL Bank IRCTC RBL Bank Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | SBI Card | RBL Bank |
| Network | RuPay | Mastercard + RuPay |
| Annual fee | ₹500 + GST per year | ₹500 + GST per year |
| Annual fee waiver | No waiver recorded | No waiver recorded |
| Base reward rate | 0.8% | 0.5% |
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 | No complimentary airport lounge access recorded |
| 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 Indian Railways travellers who want UPI capability on the same card. | Frequent IRCTC rail travellers who also want a UPI-enabled card. |
| Main trade-off | The lounge benefit is for participating railway lounges, not airports. The IRCTC rate requires the cardholder to travel on the eligible booking, and cancelled journeys do not qualify. | 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. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
