Aditya Birla Sbi Card Select Credit Card vs SBI Cards IRCTC Visa Platinum Credit Card: Which is Better in 2026?
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The Aditya Birla SBI Card Select Credit Card offers no notable benefits, while the SBI Cards IRCTC Visa Platinum Credit Card provides several features including welcome rewards and milestone benefits. 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 | SBI Cards IRCTC Visa Platinum Credit Card |
|---|---|---|
| Bank | SBI Cards | SBI Cards |
| Network | Visa | Visa |
| Joining fee | — | — |
| Annual / renewal fee | — | Annual Fee of Rs.500 |
| Annual fee waiver | — | — |
| Reward rate (headline) | — | Earn 1 Reward Points Per Rs.125 Spent on Retail |
| 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 SBI Cards IRCTC Visa Platinum Credit Card is clearly superior for rewards, offering 1 Reward Point for every Rs.125 spent on retail and a welcome bonus of 350 Reward Points. In contrast, the Aditya Birla SBI Card Select Credit Card lacks any rewards program or benefits, making it less appealing for those looking to earn rewards on their spending.
Which is better for travel?
For travel benefits, the SBI Cards IRCTC Visa Platinum Credit Card stands out with 4 complimentary railway lounge accesses per year. The Aditya Birla SBI Card Select Credit Card does not offer any travel-related perks, making it less suitable for frequent travelers.
Which has lower effective cost?
Both cards have minimal fee structures, but the SBI Cards IRCTC Visa Platinum Credit Card has a clear annual fee of Rs.500. However, it also offers a fuel surcharge waiver of 1%, which can be beneficial for users who frequently refuel. The Aditya Birla SBI Card Select Credit Card does not specify any fees, but the absence of benefits may offset this advantage.
Who should pick Aditya Birla Sbi Card Select Credit Card?
Consider Aditya Birla SBI Card Select Credit Card if you prefer a card with no specified fees and do not require rewards or travel benefits. This card may appeal to those who want a straightforward credit card experience without additional features.
Who should pick SBI Cards IRCTC Visa Platinum Credit Card?
Consider SBI Cards IRCTC Visa Platinum Credit Card if you are looking for a card that offers rewards on spending, travel benefits, and a manageable annual fee. This card is particularly suited for frequent travelers and those who want to earn rewards on their everyday purchases.
Frequently Asked Questions
The welcome benefits include 350 activation bonus Reward Points.
No, the Aditya Birla SBI Card Select Credit Card does not offer any rewards or benefits.
The annual fee for the SBI Cards IRCTC Visa Platinum Credit Card is Rs.500.
No, the Aditya Birla SBI Card Select Credit Card does not offer any travel benefits.