Delve into the world of travel rewards and perks with a comparison of IRCTC BoB RuPay Credit Card and IRCTC SBI Platinum Credit Card. Choose the card that maximizes your travel experiences. Read More - https://cardinsider.com/blog/irctc-bob-rupay-credit-card-vs-irctc-sbi-platinum-credit-card/

1. A COMPARATIVE ANALYSIS OF
IRCTC CO-BRANDED CREDIT CARDS
IRCTC BOB RUPAY CREDIT
CARD AND IRCTC SBI
PLATINUM CREDIT CARD.
HTTPS://CARDINSIDER.COM/BLOG/IRCTC-BOB-RUPAY-
CREDIT-CARD-VS-IRCTC-SBI-PLATINUM-CREDIT-CARD/

2. IRCTC BOB RUPAY
CREDIT CARD
• RAILWAY BENEFITS: THE CARD OFFERS A VARIETY OF BENEFITS RELATED TO RAILWAY
SERVICES, MAKING IT PARTICULARLY ATTRACTIVE FOR FREQUENT TRAIN TRAVELERS.
⚬ CASHBACK ON TICKET BOOKINGS: CARDHOLDERS CAN EARN CASHBACK ON THEIR TRAIN
TICKET BOOKINGS MADE THROUGH THE IRCTC WEBSITE OR APP.
⚬ DISCOUNTS ON CATERING: USERS CAN ENJOY DISCOUNTS ON CATERING SERVICES ON
TRAINS AND AT RAILWAY STATIONS.
⚬ COMPLIMENTARY TRAVEL INSURANCE: SOME VERSIONS OF THE CARD MIGHT COME WITH
COMPLIMENTARY TRAVEL INSURANCE FOR CARDHOLDERS AND THEIR FAMILY MEMBERS
WHEN PURCHASING TRAIN TICKETS USING THE CARD.
2.RUPAY ACCEPTANCE: THE IRCTC BOB RUPAY CREDIT CARD IS ACCEPTED BOTH DOMESTICALLY
AND INTERNATIONALLY WHEREVER RUPAY CARDS ARE ACCEPTED. RUPAY IS A PAYMENT
NETWORK ESTABLISHED BY THE NATIONAL PAYMENTS CORPORATION OF INDIA (NPCI) AND IS
DESIGNED TO PROMOTE DIGITAL PAYMENTS WITHIN INDIA.
3.REWARDS SYSTEM: THE CARD COMES WITH A REWARDS PROGRAM THAT ALLOWS USERS TO
EARN REWARD POINTS ON THEIR TRANSACTIONS. THESE REWARD POINTS CAN OFTEN BE
REDEEMED FOR A VARIETY OF OFFERS, INCLUDING DISCOUNTS ON TRAVEL, SHOPPING, DINING,
AND MORE.

3. IRCTC SBI PLATINUM
CREDIT CARD
• RAILWAY-CENTRIC BENEFITS:
⚬ REWARD POINTS ON TICKET PURCHASES: CARDHOLDERS CAN EARN REWARD POINTS FOR EVERY
TRAIN TICKET BOOKING MADE THROUGH THE IRCTC WEBSITE OR APP. THESE REWARD POINTS
ACCUMULATE WITH EACH BOOKING AND CAN LATER BE REDEEMED FOR VARIOUS BENEFITS.
⚬ DISCOUNTS ON BOOKINGS: THE CARD MIGHT OFFER DISCOUNTS OR CASHBACK ON TRAIN TICKET
BOOKINGS, MAKING IT A MORE COST -EFFECTIVE OPTION FOR FREQUENT TRAVELERS.
⚬ COMPLIMENTARY LOUNGE ACCESS: SOME VARIANTS OF THE CARD MIGHT PROVIDE
COMPLIMENTARY ACCESS TO AIRPORT LOUNGES, ENHANCING THE TRAVEL EXPERIENCE.
2. WIDE ACCEPTANCE: THE IRCTC SBI PLATINUM CREDIT CARD IS AFFILIATED WITH EITHER THE
MASTERCARD OR VISA PAYMENT NETWORK, WHICH ENSURES ITS WIDE ACCEPTANCE BOTH WITHIN
INDIA AND INTERNATIONALLY. THIS ALLOWS CARDHOLDERS TO USE THE CARD FOR TRANSACTIONS AT
VARIOUS MERCHANTS AND ESTABLISHMENTS.
3. REWARD ACCUMULATION FOR DIVERSE PURPOSES:
⚬ THE REWARD POINTS EARNED THROUGH THE CARD CAN BE REDEEMED FOR A RANGE OF
OPTIONS, INCLUDING TRAVEL-RELATED EXPENSES SUCH AS FLIGHT BOOKINGS, HOTEL STAYS,
AND HOLIDAY PACKAGES.
⚬ ADDITIONALLY, THESE POINTS CAN OFTEN BE USED FOR LIFESTYLE AND SHOPPING REWARDS,
SUCH AS PURCHASING MERCHANDISE FROM PARTNER STORES OR CONVERTING THEM INTO
VOUCHERS.

4. • Cashback: Offers cashback on train ticket bookings made through the IRCTC platform,
providing direct savings on travel expenses.
• Discounts: May provide discounts on train bookings and catering services,
contributing to reduced overall travel costs.
• Reward Points Accumulation: Allows users to earn reward points on transactions,
which can later be redeemed for a variety of offers, including travel and lifestyle
benefits.
TICKET BOOKINGS:
1
2
3
CATERING AND SERVICES:
TRAVEL AND LIFESTYLE PERKS:
IRCTC BoB RuPay
Credit Card:
Discounts: Offers discounts on catering services and refreshments on trains and at railway
stations, enhancing the travel experience.
• Airport Lounge Access: Depending on the card variant, it might provide
complimentary access to airport lounges, enhancing the travel experience.
• Fuel Surcharge Waiver: Cardholders might enjoy a waiver on fuel surcharges at select
fuel stations.

5. • Cashback and Discounts: Offers cashback and discounts on train ticket
bookings made through IRCTC, leading to cost savings.
• Reward Points Accumulation: Allows the accumulation of reward points for
train bookings, which can be redeemed for various travel and lifestyle
benefits.
TICKET BOOKINGS:
1
2
3
CATERING AND SERVICES:
TRAVEL AND LIFESTYLE PERKS:
IRCTC SBI Platinum
Credit Card:
Discounts: Provides discounts on catering services during train journeys,
adding value to the travel experience.
• Airport Lounge Access: Some versions of the card might include
complimentary access to airport lounges, enhancing the travel experience.
• Fuel Surcharge Waiver: Offers a waiver on fuel surcharges at select fuel
stations.

6. CONCLUSION :
• Railway-Centric Benefits: The card is tailored for frequent
train travelers, offering cashback, discounts, and reward
points on ticket bookings and catering services.
• RuPay Acceptance: Being a RuPay card, it is accepted
widely within India and even internationally, allowing for
convenient transactions.
• Rewards System: The reward points earned on transactions
can be redeemed for various offers, enhancing travel and
lifestyle experiences.
• Complimentary Travel Insurance: Some versions of the card
might provide complimentary travel insurance for the
cardholder and their family members.
• Partner Tie-Ups: Collaborations with partners might offer
additional discounts and exclusive deals for cardholders.
IRCTC SBI PLATINUM CREDIT CARD :
IRCTC BOB RUPAY CREDIT CARD :
• Railway Benefits: The card focuses on rewarding train travel
with cashback, discounts, and reward points for ticket
bookings.
• Wide Acceptance: Affiliated with either Mastercard or Visa,
the card has broad acceptance, making it suitable for both
domestic and international transactions.
• Reward Flexibility: The earned reward points can be utilized
for various purposes, including travel, lifestyle, and shopping
rewards.
• Complimentary Lounge Access: Some variants offer the
privilege of complimentary access to airport lounges,
enhancing the overall travel experience.
• Fuel Surcharge Waiver: Cardholders can enjoy a waiver on
fuel surcharges at select fuel stations.

7. THANK
YOU!
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rupay-credit-card-vs-irctc-sbi-platinum-
credit-card/
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