Aditya Birla Sbi Card Select Credit Card vs Irctc Sbi Platinum Rupay Card: Which is Better in 2026?
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The Aditya Birla Sbi Card Select Credit Card offers a minimalistic approach with no notable benefits, while the Irctc Sbi Platinum Rupay Card provides various rewards and lounge access. This comparison highlights the key differences in rewards, travel benefits, and fees between the two cards.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
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| Feature | Aditya Birla Sbi Card Select Credit Card | Irctc Sbi Platinum Rupay Card |
|---|---|---|
| Bank | SBI Cards | SBI Cards |
| Network | Visa | Rupay |
| Joining fee | — | — |
| Annual / renewal fee | — | Annual Fee of Rs.500 |
| Annual fee waiver | — | — |
| Reward rate (headline) | — | Earn Upto 10% Value Back as Reward Points |
| Lounge — domestic | — | Enjoy 4 Complimentary Railway Lounge Access in a Year |
| Lounge — international | — | — |
| Fuel surcharge waiver | — | — |
| Welcome benefit | — | Welcome Benefits - 350 activation Bonus Reward Points |
| Milestone benefit | — | Milestone benefits - Earn 500 Reward Points |
| Foreign currency markup | — | 3.5% - Foreign Currency Transactions |
Which is better for rewards?
The Irctc Sbi Platinum Rupay Card is significantly better for rewards, offering up to 10% value back as reward points and a welcome bonus of 350 activation points. In contrast, the Aditya Birla Sbi Card Select Credit Card lacks any rewards or cashback features, making it less attractive for those looking to earn on their spending.
Which is better for travel?
For travel benefits, the Irctc Sbi Platinum Rupay Card stands out with its provision of 4 complimentary railway lounge accesses per year. The Aditya Birla Sbi Card Select Credit Card does not offer any lounge access or travel-related perks, making it less suitable for frequent travelers.
Which has lower effective cost?
Both cards have no joining fee, but the Irctc Sbi Platinum Rupay Card has an annual fee of Rs.500. However, it offers a fuel surcharge waiver and a milestone benefit for earning reward points, which may offset the fee for some users. The Aditya Birla Sbi Card Select Credit Card has no clear fee structure available, making it difficult to assess its overall cost-effectiveness.
Who should pick Aditya Birla Sbi Card Select Credit Card?
Consider Aditya Birla Sbi Card Select Credit Card if you prefer a straightforward card with no annual fees or complex reward structures. This card may appeal to users who do not require rewards or travel benefits and seek simplicity in their credit card usage.
Who should pick Irctc Sbi Platinum Rupay Card?
Consider Irctc Sbi Platinum Rupay Card if you are a frequent traveler or someone who values earning rewards on everyday spending. With its attractive rewards program and lounge access, this card is well-suited for individuals who travel by train and want to maximize their benefits.
Frequently Asked Questions
No, it does not offer any rewards or cashback benefits.
It offers 4 complimentary railway lounge accesses in a year.
Yes, there is an annual fee of Rs.500.
Yes, it includes a welcome benefit of 350 activation bonus reward points.