Axis Bank Fibe RuPay Credit Card vs IRCTC SBI Platinum RuPay Card: Which is Better in 2026?
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In short: Axis Fibe has the lower annual fee (none vs ₹500); Axis Fibe includes 1 airport lounge visit a quarter, IRCTC SBI Platinum 4 railway lounge visits a year; both charge a 3.5% forex markup.
| Key facts | Axis Fibe | IRCTC SBI Platinum |
|---|---|---|
| Annual fee | None | ₹500 |
| Joining fee | None | Not listed |
| Lounge access | 1 airport lounge visit a quarter | 4 railway lounge visits a year |
| Forex markup | 3.5% | 3.5% |
From issuer benefit data, checked 22 Oct 2026. Rewards, milestones and welcome benefits are in the full table below.
The Axis Bank Fibe Rupay Credit Card and the Irctc Sbi Platinum Rupay Card both operate on the Rupay network but cater to different user needs. Axis Bank Fibe offers a no-fee structure with cashback rewards focused on everyday spends, while the Irctc Sbi Platinum card charges an annual fee and emphasizes reward points, especially for travel-related spending. Both cards provide complimentary lounge access domestically, though the quantity and type differ.
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 | Axis Bank Fibe Rupay Credit Card | Irctc Sbi Platinum Rupay Card |
|---|---|---|
| Bank | Axis Bank | SBI Cards |
| Network | Rupay | Rupay |
| Joining fee | Joining Fee - Nil | — |
| Annual / renewal fee | Annual Fee - Nil | Annual Fee of Rs.500 |
| Reward rate (headline) | — | Earn 1 Reward Points Per Rs.125 Spent on Retail |
| Lounge — domestic | 1 Complimentary Airport Lounge Access Per Quarter | Enjoy 4 Complimentary Railway Lounge Access in a Year |
| Welcome benefit | — | Welcome Benefits - 350 activation Bonus Reward Points |
| Milestone benefit | — | Milestone benefits - Earn 500 Reward Points |
| Foreign currency markup | 3.50% - Foreign Currency Transactions | 3.5% - Foreign Currency Transactions |
Which is better for rewards?
When it comes to rewards, the Irctc Sbi Platinum Rupay Card offers a more structured reward points program, including welcome bonus points, milestone rewards, and up to 10% value back on IRCTC travel spends. It allows redemption of points at a 1:1 ratio for travel, making it attractive for frequent travelers. On the other hand, the Axis Bank Fibe Rupay Credit Card provides straightforward cashback of 1% on all spends and 3% on entertainment, food delivery, and local commute, which is simpler but less rewarding for travel or milestone benefits.
Which is better for travel?
The Irctc Sbi Platinum Rupay Card is better suited for travel-focused users, offering four complimentary railway lounge accesses annually and reward points that can be redeemed at par value for travel spends, particularly on IRCTC. The Axis Bank Fibe card provides one complimentary airport lounge access per quarter but lacks international lounge benefits and travel-specific reward points. Therefore, for dedicated travel benefits and lounge access, the SBI card stands out.
Which has lower effective cost?
Axis Bank Fibe Rupay Credit Card has no joining or annual fees, making it cost-effective for users who prefer a no-fee card with cashback benefits. Conversely, the Irctc Sbi Platinum Rupay Card charges an annual fee of Rs. 500, which is offset by its milestone reward points and travel benefits if the cardholder utilizes them fully. Both cards have similar forex markup fees of 3.5%, and cash advance fees are comparable. Overall, Axis Bank Fibe is more beginner-friendly with lower cost of ownership.
Lounge Access Comparison
Axis Bank Fibe Rupay Credit Card offers one complimentary airport lounge access per quarter, which totals four per year, while the Irctc Sbi Platinum Rupay Card provides four complimentary railway lounge accesses annually. The SBI card's lounge benefit is more targeted towards railway travelers, whereas Axis Bank's is airport-focused.
Reward Structure and Redemption
Irctc Sbi Platinum Rupay Card rewards are point-based with specific bonuses such as welcome and milestone points, and points can be redeemed at a 1:1 ratio for travel spends on IRCTC. Axis Bank Fibe Rupay Credit Card offers cashback directly, simplifying rewards but without milestone or welcome bonuses.
Who should pick Axis Bank Fibe Rupay Credit Card?
Consider Axis Bank Fibe Rupay Credit Card if you want a no-annual-fee credit card with straightforward cashback rewards on everyday categories like entertainment, food delivery, and local commute. It suits users who prefer simplicity, lower costs, and occasional lounge access without worrying about milestone spends or reward point management.
Who should pick Irctc Sbi Platinum Rupay Card?
Consider Irctc Sbi Platinum Rupay Card if you frequently travel, especially by train, and want to earn and redeem reward points that offer value back on travel spends. This card is suitable for users willing to pay an annual fee for enhanced travel benefits including multiple complimentary railway lounge accesses and milestone bonuses.
Frequently Asked Questions
No, the Axis Bank Fibe Rupay Credit Card has no joining or annual fees.
The Irctc Sbi Platinum Rupay Card charges an annual fee of Rs. 500.
Axis Bank Fibe Rupay Credit Card offers one complimentary airport lounge access per quarter, while Irctc Sbi Platinum Rupay Card provides four complimentary railway lounge accesses annually.
Irctc Sbi Platinum Rupay Card offers 350 welcome bonus reward points and 500 milestone reward points on renewal fee payment. Axis Bank Fibe Rupay Credit Card does not offer welcome or milestone rewards.
Both cards charge a forex markup fee of 3.5% on foreign currency transactions.
It offers a 1% fuel surcharge waiver but no explicit cashback on fuel spends is mentioned.