Apollo Sbi Card Mastercard Credit Card vs Irctc Sbi Platinum Rupay Card: Which is Better in 2026?
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The Apollo Sbi Card Mastercard Credit Card offers no benefits, while the Irctc Sbi Platinum Rupay Card provides various rewards and lounge access. This comparison highlights the distinct features and potential value of each card for different users.
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 Platinum Rupay Card |
|---|---|---|
| Bank | SBI Cards | SBI Cards |
| Network | MasterCard | 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 clearly superior for rewards, offering up to 10% value back as reward points and additional bonus points upon activation. In contrast, the Apollo Sbi Card Mastercard Credit Card lacks any reward structure, making it less appealing for those looking to earn benefits on their spending.
Which is better for travel?
For travel-related benefits, the Irctc Sbi Platinum Rupay Card stands out with its complimentary railway lounge access, enhancing the travel experience. The Apollo Sbi Card Mastercard 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 Irctc Sbi Platinum Rupay Card has a clearly stated annual fee of Rs. 500. The Apollo Sbi Card Mastercard Credit Card does not specify any fees, which may suggest a lack of transparency or benefits. However, the Irctc card also has a rewards redemption fee of Rs. 99, which should be considered when evaluating overall costs.
Who should pick Apollo Sbi Card Mastercard Credit Card?
Consider Apollo Sbi Card Mastercard Credit Card if you prefer a card with no specified fees and do not require rewards or travel benefits. This card may suit users who want a straightforward credit option without additional complexities.
Who should pick Irctc Sbi Platinum Rupay Card?
Consider Irctc Sbi Platinum Rupay Card if you are a frequent traveler and value earning rewards on your purchases. The card's benefits, including lounge access and bonus reward points, make it a more attractive option for those looking to maximize their spending benefits.
Frequently Asked Questions
No, the Apollo Sbi Card Mastercard Credit Card does not offer any rewards or benefits.
The Irctc Sbi Platinum Rupay Card has an annual fee of Rs. 500.
No, the Apollo Sbi Card Mastercard Credit Card does not provide any lounge access benefits.
You can earn up to 10% value back as reward points and 350 activation bonus reward points with the Irctc Sbi Platinum Rupay Card.