Apollo Sbi Card Mastercard Credit Card vs Irctc Sbi Platinum Rupay Card: Which is Better in 2026?
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When comparing the Apollo Sbi Card Mastercard Credit Card and the Irctc Sbi Platinum Rupay Card, the latter stands out for its reward structure and additional benefits. The Apollo card lacks significant features, while the Irctc card offers a welcome bonus and the potential for value back on purchases.
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 better for rewards, offering up to 10% value back as reward points and additional points for retail spending. In contrast, the Apollo Sbi Card Mastercard Credit Card does not provide any rewards or cashback options, making it less appealing for users focused on earning benefits from their spending.
Which is better for travel?
For travel-related benefits, the Irctc Sbi Platinum Rupay Card provides 4 complimentary railway lounge accesses per year, enhancing the travel experience for cardholders. The Apollo Sbi Card Mastercard Credit Card, however, offers no travel-related benefits, 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 an annual fee of Rs.500, which may be offset by the rewards earned. The Apollo Sbi Card Mastercard Credit Card does not specify any fees, but the lack of benefits may not justify its use. Therefore, while the fees are comparable, the value offered by the Irctc card may outweigh its cost.
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 are not focused on rewards or travel benefits. This card may suit those who want a straightforward credit card experience without the complexities of rewards programs.
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 welcome bonus and lounge access, this card is tailored for users looking to maximize their benefits while traveling and shopping.
Frequently Asked Questions
The Irctc Sbi Platinum Rupay Card has an annual fee of Rs.500, while the Apollo Sbi Card Mastercard Credit Card does not specify any fees.
Yes, the Irctc Sbi Platinum Rupay Card offers 4 complimentary railway lounge accesses in a year, while the Apollo Sbi Card Mastercard Credit Card does not provide any lounge access.
You can earn up to 10% value back as reward points and 1 reward point per Rs.125 spent on retail with the Irctc Sbi Platinum Rupay Card.
The Irctc Sbi Platinum Rupay Card offers a welcome benefit of 350 activation bonus reward points, while the Apollo Sbi Card Mastercard Credit Card does not have any welcome benefits.