SBI Card MILES PRIME vs IRCTC Platinum Credit Card Compared
Which credit card suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero. Data last verified: 11 October 2026.
| Feature |  SBI Card MILES PRIMEState Bank of India4 recent changes → |  SBI IRCTC Platinum Credit CardState Bank of India5 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 0.5% base, up to 1% on travel | 0.8% on most spends; 8% only at partner merchants | |
| UPI payments (scan and pay)same | Earns nothing | Earns nothing | |
| Online shopping | 0.5% | 0.8% | |
| Dining and food delivery | 0.5% | 0.8% | |
| Groceries | 0.5% | 0.8% | |
| Travel: flights, hotels, trains | 1% | 0.8%; 8% only at IRCTC | |
| Fuelsame | Earns nothing | Earns nothing | |
| Bills and recharges | Earns nothing | 0.8% | |
| Rentsame | Earns nothing | Earns nothing | |
| Insurance premiums | Earns nothing | 0.8% | |
| School and college fees | Earns nothing | 0.8% | |
| Wallet top-upssame | Earns nothing | Earns nothing | |
| Taxes and government payments | Not stated | Earns nothing | |
| Spend abroad or in a foreign currency | 0.5% | 0.8% | |
| Everything else | 0.5% | 0.8% | |
| Card identity | |||
| Card typesame | Travel | Travel | |
| Network | Mastercard | Visa | |
| Card tier | Premium | Entry | |
| Fees | |||
| Joining fee | ₹2,999 + GST | ₹500 + GST | |
| Annual fee | ₹2,999 + GST | ₹500 + GST | |
| Fee waived at | ₹10,00,000 | - | |
| Eligibility | |||
| Min age | 21 years | - | |
| Max age | 70 years | - | |
| Employment typesame | BOTH | BOTH | |
| Rewards | |||
| Reward type | Air miles | Reward points | |
| Point valuesame | ₹1 | ₹1 | |
| Fuel surcharge | |||
| Fuel surcharge waiversame | Yes | Yes | |
| Fuel waiver cap | ₹250 | - | |
| Lounge access | |||
| Domestic lounge visits | 8 | 0 | |
| International lounge visits | 4 | 0 | |
| Railway lounge visits | - | 4 | |
| Lounge programme | PRIORITY_PASS | - | |
| Priority Pass | Yes | No | |
| Lounge condition | 8 domestic airport lounge visits/year (max 2/quarter) plus Priority Pass with 4 international visits/year. 1 extra domestic visit per ₹1 lakh spend, capped at 12/year. Priority Pass free for first 2 years | 4 complimentary railway lounge visits a year in India (max 1 per quarter), for primary cardholders only | |
| Forex and international | |||
| Forex markup | 2.5% | 3.5% | |
| Interest and charges | |||
| Interest rate (monthly) | 3.75% | - | |
| Interest rate (annual) | 45% | - | |
| Page content | |||
| Documents neededsame | PAN card Aadhaar / address proof Income proof (salary slips or ITR) Recent passport-size photograph | PAN card Aadhaar / address proof Income proof (salary slips or ITR) Recent passport-size photograph | |
| Apply | Apply Now | Apply Now | |
Worth in Rupees at ₹20,000 a Month
- Rewards a year
- ₹1,500
- Fee a year
- - ₹3,539
- You keep
- - ₹2,039
- Rewards a year
- ₹1,920
- Fee a year
- - ₹590
- You keep
- ₹1,330
At this spend, SBI IRCTC Platinum Credit Card comes out ₹3,369 a year ahead of SBI Card MILES PRIME. Worked out from each card's published reward rate, caps and fee, on ₹20,000 a month. Your own spend changes the answer: try the rewards calculator.
Best For
- Frequent flyers
- People who spend heavily on travel
- Travellers who want Priority Pass access
- Frequent train travellers
- Families who book on IRCTC
- UPI users wanting a credit card on RuPay
Watch-Outs
- Fee waiver needs Rs 10 lakh a year, which most people will not reach
- Base return of about 0.5% is low
- Credits are worth the most only when redeemed for travel
- Low rewards outside IRCTC
- No airport lounge access
- 3.5% forex fee
Card data sourced via CardAdvisor.in (SBI Card MILES PRIME, SBI IRCTC Platinum Credit Card), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Questions People Ask
Which has the lower annual fee, SBI Card MILES PRIME or SBI IRCTC Platinum Credit Card?
SBI IRCTC Platinum Credit Card. SBI IRCTC Platinum Credit Card: ₹500; SBI Card MILES PRIME: ₹2,999. Check whether a spend-based waiver applies before you decide.
Which is better for spending abroad?
SBI Card MILES PRIME has the lowest forex markup. SBI Card MILES PRIME: 2.5%; SBI IRCTC Platinum Credit Card: 3.5%. The markup is charged on every foreign-currency transaction, before GST.
Which earns more on everyday spending?
On spends outside any bonus category: SBI IRCTC Platinum Credit Card 0.8%, SBI Card MILES PRIME 0.5%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.
Which gives airport lounge access?
SBI Card MILES PRIME: 8 domestic lounge visits a year; SBI IRCTC Platinum Credit Card: no complimentary lounge visits. Some cards need a minimum spend in the quarter before a visit counts, so check the lounge terms.
Can I hold more than one of these cards?
Usually yes, if each bank approves you. Many people keep one card for everyday spending and another for a specific use such as travel. Each application is a separate credit check.
Work Out the Numbers
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Guides in Plain Words
Short reads that explain how it works before you decide.
- GuidesBest Credit Cards Under ₹1,000 a Year in India (2026)Credit cards with an annual fee of ₹1,000 or less (before GST) in 2026, ranked by the reward rate each bank states, with fee waivers.Read the guide →
Credit CardsTata Neu HDFC Credit Card: Claim Your NeuCoins from 25 November 2026From 25 November 2026, NeuCoins earned on a Tata Neu HDFC Bank credit card no longer reach your Tata Neu account by themselves. You claim them in the Tata Neu App within 12 months, or they expire. Here is what changes, how to claim, and the dates that matter.Read the guide →- GuidesBest Credit Cards Under ₹500 a Year in India (2026)Credit cards with an annual fee of ₹500 or less (before GST) in 2026, ranked by the reward rate each bank states, with fee waivers.Read the guide →
