Apollo Sbi Card Mastercard Credit Card vs Irctc Sbi Card Premier Visa Signature Credit Card: Which is Better in 2026?
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The Apollo Sbi Card Mastercard Credit Card offers minimal benefits, while the Irctc Sbi Card Premier Visa Signature Credit Card provides a range of rewards and travel-related perks. This comparison highlights the differences in rewards, travel benefits, and fees associated with each card.
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 | Apollo Sbi Card Mastercard Credit Card | Irctc Sbi Card Premier Visa Signature Credit Card |
|---|---|---|
| Bank | SBI Cards | SBI Cards |
| Network | MasterCard | 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) | — | Earn Upto 10% Value Back as Reward Points |
| 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 superior for rewards, offering up to 10% value back as reward points and additional points for specific categories like utility and dining. In contrast, the Apollo Sbi Card Mastercard Credit Card lacks any rewards structure, making it less appealing for users looking to earn benefits on their spending.
Which is better for travel?
For travel benefits, the Irctc Sbi Card Premier Visa Signature Credit Card stands out with its complimentary railway lounge access and milestone rewards for travel spending. The Apollo Sbi Card Mastercard Credit Card does not provide any travel-related benefits, making it a less suitable choice for frequent travelers.
Which has lower effective cost?
Both cards have no specified joining fees, but the Irctc Sbi Card Premier Visa Signature Credit Card has an annual fee of Rs. 1499 with a waiver option based on spending. The Apollo Sbi Card Mastercard Credit Card does not list any fees, which may appeal to those concerned about costs, but the lack of benefits may outweigh this advantage.
Who should pick Apollo Sbi Card Mastercard Credit Card?
Consider Apollo Sbi Card Mastercard Credit Card if you prefer a no-fee card with no complex rewards structure. This card may suit those who do not frequently use credit cards for rewards or travel benefits.
Who should pick Irctc Sbi Card Premier Visa Signature Credit Card?
Consider Irctc Sbi Card Premier Visa Signature Credit Card if you are a frequent traveler or someone who spends on IRCTC services. The card's rewards and travel perks can provide significant value, especially for those who can meet the spending requirements for fee waivers.
Frequently Asked Questions
No, the Apollo Sbi Card Mastercard Credit Card does not offer any rewards.
The Irctc Sbi Card Premier Visa Signature Credit Card offers 8 complimentary railway lounge accesses in a year.
Yes, there is an annual fee of Rs. 1499, which can be waived by spending Rs. 2 Lakhs.
Yes, you can earn 3 reward points per Rs. 125 spent on utility payments.