vs
In short: IRCTC SBI Premier has the lower annual fee (₹1,499 vs ₹1,999); IRCTC SBI Premier includes 8 railway lounge visits a year, RBL Platinum LifeEasy 1 airport lounge visit a quarter; both charge a 3.5% forex markup.
| Key facts | IRCTC SBI Premier | RBL Platinum LifeEasy |
|---|---|---|
| Annual fee | ₹1,499 | ₹1,999 |
| Annual fee waived | On ₹2 lakh annual spend | On ₹3.5 lakh annual spend |
| Top reward rate | 5% Back on Air Ticket Purchases on IRCTC | 10% Cashback on Fuel as Reward Points |
| Base rewards | 1 Reward Points Per ₹125 Spent on Retail | Not in our data |
| Lounge access | 8 railway lounge visits a year | 1 airport lounge visit a quarter |
| Forex markup | 3.5% | 3.5% |
From issuer benefit data, checked 4 Nov 2026. Milestones, welcome benefits and caps are in the full table below.
The Irctc Sbi Card Premier Visa Signature Credit Card and the Rbl Bank Platinum LifeEasy Mastercard Credit Card cater to different spending preferences, with the former focused on travel rewards linked to IRCTC and the latter emphasizing cashback on daily spends like fuel and groceries. Both cards have annual fees with waiver conditions based on spending thresholds, and they offer complimentary lounge access domestically. Choosing between them depends on whether you prioritize travel-related rewards or cashback benefits on everyday categories.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
Last updated:
| Feature | Irctc Sbi Card Premier Visa Signature Credit Card | Rbl Bank Platinum LifeEasy Mastercard Credit Card |
|---|---|---|
| Bank | SBI Cards | RBL Bank |
| Network | Visa | MasterCard |
| Annual / renewal fee | Annual Fees - Rs.1499 | Annual Fee of Rs.1999 |
| Annual fee waiver | Spend Rs.2 Lakhs For Waiver of Renewal Fee | Spend Rs.3.5 Lakh For Waiver of Annual Membership Fee |
| Top reward rate | 5% Back on Air Ticket Purchases on IRCTC | 10% Cashback on Fuel as Reward Points |
| Base rate (other spends) | Earn 1 Reward Points Per Rs.125 Spent on Retail | — |
| Lounge — domestic | Enjoy 8 Complimentary Railway Lounge Access in a Year | Enjoy 1 Complimentary Airport Lounge Access Per Quarter |
| Fuel surcharge waiver | 1% Fuel Surcharge Waiver | Fuel surcharge waiver of Rs.150 |
| Welcome benefit | Get 1500 Reward Points on Payment of Annual Fee | Get Gift Vouchers Worth Rs.2000 as Welcome Benefit |
| Milestone benefit | Earn 2500 Reward Points on Travel; Earn 5000 Reward Points on Travel | Rs.1000 Worth Gift Vouchers on Spends of Rs.2.5 Lakh |
| Foreign currency markup | 3.5% - Foreign Currency Transactions | 3.5% - Foreign Currency Transactions |
For rewards, the Irctc Sbi Card Premier Visa Signature Credit Card offers a top reward rate of 5% back on air ticket purchases through IRCTC and 3 reward points per Rs.125 spent on dining and utilities, with a base rate of 1 point per Rs.125 on retail. It also provides milestone rewards on travel spends. In contrast, the Rbl Bank Platinum LifeEasy Mastercard Credit Card focuses on cashback rewards, offering 10% cashback on fuel, Ola, and Uber, and 5% on groceries, all capped monthly. While the SBI card's rewards are points-based and tied to travel and dining, the RBL card's cashback is more suited for everyday expenses.
Regarding travel benefits, the Irctc Sbi Card Premier Visa Signature Credit Card is stronger with 8 complimentary railway lounge accesses annually and accelerated rewards specifically on IRCTC air ticket and e-catering purchases. The Rbl Bank Platinum LifeEasy Mastercard Credit Card offers 1 complimentary airport lounge access per quarter, which is fewer in number and less focused on railway travel. Both cards have the same forex markup fee of 3.5%, but the SBI card’s travel rewards and lounge access make it more appealing for frequent train travelers.
The Irctc Sbi Card Premier Visa Signature Credit Card has an annual fee of Rs.1499, waived on spending Rs.2 lakhs, while the Rbl Bank Platinum LifeEasy Mastercard Credit Card charges a higher annual fee of Rs.1999, waived on Rs.3.5 lakhs of annual spend. The SBI card also offers a 1% fuel surcharge waiver, whereas the RBL card provides a fuel surcharge waiver capped at Rs.150. Overall, the SBI card has a lower fee and a more accessible waiver threshold, making it more cost-effective for moderate spenders.
The Irctc Sbi Card Premier Visa Signature Credit Card offers reward points with a base rate of 1 point per Rs.125 spent and accelerated rates on travel, dining, and utilities, allowing up to 10% value back as reward points on IRCTC spends. The RBL card provides cashback as reward points with caps on monthly cashback amounts, making it more predictable but limited in maximum cashback potential.
The SBI card provides a 1% fuel surcharge waiver across all petrol pumps, which applies as a percentage discount. The RBL card offers a flat fuel surcharge waiver capped at Rs.150 per month, which may benefit those with lower fuel spends.
Consider Irctc Sbi Card Premier Visa Signature Credit Card if you frequently book train travel or air tickets via IRCTC and want to maximize rewards on these spends. It is also suitable if you value multiple complimentary railway lounge accesses and prefer a lower annual fee with a reasonable waiver condition. This card is ideal for travel enthusiasts who also spend on dining and utilities.
Consider Rbl Bank Platinum LifeEasy Mastercard Credit Card if your spending is concentrated on fuel, groceries, and ride-hailing services like Ola and Uber, and you prefer straightforward cashback rewards. This card suits those who want a quarterly airport lounge access and are comfortable with a higher annual fee and waiver threshold. It is a practical choice for everyday cashback benefits rather than travel-focused rewards.
The Irctc Sbi Card Premier Visa Signature Credit Card has an annual fee of Rs.1499, waived on spending Rs.2 lakhs annually. The Rbl Bank Platinum LifeEasy Mastercard Credit Card charges Rs.1999 annually, waived on spending Rs.3.5 lakhs.
The SBI card offers 8 complimentary railway lounge accesses per year, while the RBL card provides 1 complimentary airport lounge access per quarter. Neither card lists international lounge access.
The SBI card focuses on reward points, especially 5% back on IRCTC air ticket and e-catering purchases, with additional points on dining and utilities. The RBL card offers cashback as reward points, including 10% cashback on fuel, Ola, and Uber, and 5% on groceries, with monthly caps.
Yes, the SBI card offers a 1% fuel surcharge waiver across all petrol pumps, while the RBL card provides a fuel surcharge waiver capped at Rs.150 per month.
Both cards charge a forex markup fee of 3.5% on foreign currency transactions.