Aditya Birla Sbi Card Select Credit Card vs Irctc Sbi Card Premier Visa Signature Credit Card: Which is Better in 2026?
vs
The Aditya Birla SBI Card Select Credit Card offers minimal benefits, while the IRCTC SBI Card Premier Visa Signature Credit Card provides a range of rewards and travel-related perks. For those seeking travel rewards and lounge access, the IRCTC card stands out significantly.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
Last updated:
| Feature | Aditya Birla Sbi Card Select Credit Card | Irctc Sbi Card Premier Visa Signature Credit Card |
|---|---|---|
| Bank | SBI Cards | SBI Cards |
| Network | Visa | Visa |
| Joining fee | — | — |
| Annual / renewal fee | — | Annual Fees - Rs.1499 |
| Annual fee waiver | — | Spend Rs.2 Lakhs For Waiver of Renewal Fee |
| Reward rate (headline) | — | 5% Back on Air Ticket Purchases on IRCTC |
| Lounge — domestic | — | Enjoy 8 Complimentary Railway Lounge Access in a Year |
| Lounge — international | — | — |
| Fuel surcharge waiver | — | — |
| Welcome benefit | — | Get 1500 Reward Points on Payment of Annual Fee |
| Milestone benefit | — | Earn 2500 Reward Points on Travel; Earn 5000 Reward Points on Travel |
| Foreign currency markup | — | 3.5% - Foreign Currency Transactions |
Which is better for rewards?
The IRCTC SBI Card Premier Visa Signature Credit Card is clearly superior for rewards, offering 5% back on air ticket and e-catering purchases through IRCTC, along with additional points for retail and dining. In contrast, the Aditya Birla SBI Card Select Credit Card does not provide any rewards or cashback options, making it less appealing for those looking to earn on their spending.
Which is better for travel?
For travel benefits, the IRCTC SBI Card Premier Visa Signature Credit Card excels with its 8 complimentary railway lounge accesses per year and specific rewards for travel-related expenses. The Aditya Birla SBI Card Select Credit Card lacks any travel-related benefits, making it unsuitable for frequent travelers.
Which has lower effective cost?
Both cards have no joining fee, but the IRCTC card has an annual fee of Rs. 1499, which can be waived by spending Rs. 2 lakhs. The Aditya Birla card does not specify any fees or waivers, which could make it simpler for users who prefer straightforward fee structures.
Who should pick Aditya Birla Sbi Card Select Credit Card?
Consider Aditya Birla SBI Card Select Credit Card if you are looking for a no-frills card with no annual fees or complex reward structures. It may suit those who prefer simplicity and do not require travel or rewards benefits.
Who should pick Irctc Sbi Card Premier Visa Signature Credit Card?
Consider IRCTC SBI Card Premier Visa Signature Credit Card if you frequently travel by train and want to maximize your rewards on travel-related purchases. The card's benefits are tailored for IRCTC users, making it a valuable choice for regular travelers.
Frequently Asked Questions
The Aditya Birla SBI Card Select Credit Card does not offer any rewards or cashback.
You can waive the annual fee of Rs. 1499 by spending Rs. 2 lakhs in a year.
The IRCTC SBI Card Premier Visa Signature Credit Card offers 8 complimentary railway lounge accesses in a year.
The Aditya Birla SBI Card Select Credit Card does not specify any foreign transaction fees.