Irctc Sbi Platinum Rupay Card vs Kotak Mojo Rupay Platinum Credit Card: Which is Better in 2026?
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The Irctc Sbi Platinum Rupay Card and the Kotak Mojo Rupay Platinum Credit Card offer distinct benefits tailored to different spending habits. While the former emphasizes travel rewards, the latter focuses on online shopping incentives. Both cards have their unique fee structures and reward systems, making them suitable for varying user preferences.
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 | Irctc Sbi Platinum Rupay Card | Kotak Mojo Rupay Platinum Credit Card |
|---|---|---|
| Bank | SBI Cards | Kotak Mahindra Bank |
| Network | Rupay | Rupay |
| Joining fee | — | Joining Fee of Rs.1000 |
| Annual / renewal fee | Annual Fee of Rs.500 | Annual Fee of Rs.1000 |
| Annual fee waiver | — | Spend Rs.30000 For Joining Fees Waiver |
| Reward rate (headline) | Earn Upto 10% Value Back as Reward Points | Earn 2.5 Mojo Points on every Rs.100 on Online |
| Lounge — domestic | Enjoy 4 Complimentary Railway Lounge Access in a Year | Enjoy 8 Complimentary Airport Lounge Access Per Year |
| Welcome benefit | Welcome Benefits - 350 activation Bonus Reward Points | — |
| Milestone benefit | Milestone benefits - Earn 500 Reward Points | Earn 2500 Mojo Points Every Quarter on Spending Rs.75000 |
| Foreign currency markup | 3.5% - Foreign Currency Transactions | 3.5% - Foreign Currency Transactions |
Which is better for rewards?
The Irctc Sbi Platinum Rupay Card is more rewarding for users who frequently engage in travel-related spending, offering up to 10% value back on IRCTC transactions. In contrast, the Kotak Mojo Rupay Platinum Credit Card provides 2.5 Mojo Points on every Rs.100 spent online, which can be appealing for online shoppers. However, the overall reward potential may favor the Irctc card for travel enthusiasts.
Which is better for travel?
For travel-related benefits, the Irctc Sbi Platinum Rupay Card stands out with its complimentary railway lounge access, making it a better choice for frequent travelers. The Kotak Mojo card, while offering a decent rewards structure, does not provide specific travel-related perks, which could limit its appeal to those prioritizing travel benefits.
Which has lower effective cost?
Both cards have an annual fee of Rs.500 for the Irctc Sbi Platinum Rupay Card and Rs.1000 for the Kotak Mojo Rupay Platinum Credit Card. However, the Irctc card does not have a joining fee, while the Kotak card has a joining fee of Rs.1000, which can be waived with a minimum spend. This makes the effective cost of the Irctc card lower, especially for new users.
Who should pick Irctc Sbi Platinum Rupay Card?
Consider Irctc Sbi Platinum Rupay Card if you are a frequent traveler who can take advantage of the high rewards on travel-related purchases and the complimentary lounge access. Its lower fees and travel-focused benefits make it a practical choice for those who prioritize travel.
Who should pick Kotak Mojo Rupay Platinum Credit Card?
Consider Kotak Mojo Rupay Platinum Credit Card if you primarily shop online and can benefit from the higher rewards rate on online purchases. The card's structure is advantageous for users who frequently spend in that category and can meet the quarterly milestone for additional rewards.
Frequently Asked Questions
The annual fee for the Irctc Sbi Platinum Rupay Card is Rs.500.
Yes, the Kotak Mojo Rupay Platinum Credit Card has a joining fee of Rs.1000.
The Irctc Sbi Platinum Rupay Card offers 4 complimentary railway lounge accesses, while the Kotak Mojo Rupay Platinum Credit Card provides 8 complimentary airport lounge accesses.
The Irctc Sbi Platinum Rupay Card offers up to 10% value back on travel purchases, while the Kotak Mojo Rupay Platinum Credit Card earns 2.5 Mojo Points on online spending.