- Annual fee ₹1,000 Waivable at ₹30,000 spend
- Forex markup 3.5%
- Domestic lounge 2/quarter Conditional · Domestic: 2/quarter · requires ₹50,000 spend in the previous 3 calendar months
Pairwise comparison
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Axis Bank IndianOil Axis Bank Premium RuPay vs SBI Card IRCTC SBI Card Premier Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the Axis Bank IndianOil Axis Bank Premium RuPay and the SBI Card IRCTC SBI Card Premier. Verify fees, lounge access, forex markup, and base rewards before you apply.
Quick comparison
Three core metrics- Annual fee ₹1,499 Waivable at ₹2,00,000 spend
- Forex markup 3.5%
- Domestic lounge 8/year railway
Reward earning explained
Per card6 EDGE Miles / ₹150 on IndianOil (domestic) + 1 EDGE Miles / ₹150 on General sp…
10 pts / ₹100 on IRCTC (domestic) (Up to 10% value back on AC1, AC2 and AC Chai…
Pick based on what matters
3 dimensionsStart with the constraint you care about most: annual fee (Axis Bank IndianOil Axis Bank Premium RuPay: ₹1,000 vs SBI Card IRCTC SBI Card Premier: ₹1,499), forex markup (3.5% vs 3.5%), or lounge access (2/quarter vs 8/year railway).
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Forex markup Tie Both cards are similar for forex
Forex markup is 3.5%.
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Lounge access Tie Both cards are similar for lounge access
Domestic lounge access is 2 per quarter. Domestic lounge access is no airport lounge access.
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upi Tie Both cards are similar for UPI usage
Supports UPI via RuPay network.
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- IRCTC SBI Card Premier: ~₹500/month at base rate
- IndianOil Axis Bank Premium: Base earn not clearly specified
Illustrative only, using current base rates before caps.
Swipe for all fields
| Field | IndianOil Axis Bank Premium RuPay Axis Bank | IRCTC SBI Card Premier SBI Card |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits 2/quarter vs 8/year railway | 2/quarter | 8/year railway |
| Forex / International Use | ||
| Forex markup | 3.5% | 3.5% |
| Fees | ||
| Annual fee ₹1,000 vs ₹1,499 | ₹1,000 | ₹1,499 |
| Joining fee ₹1,000 vs ₹1,499 | ₹1,000 | ₹1,499 |
| Fee waiver spend ₹30,000 vs ₹2,00,000 | ₹30,000 | ₹2,00,000 |
| Rewards | ||
| Reward points (base spend) 1 pts/₹150 vs 1 pts/₹100 | 1 pts/₹150 | 1 pts/₹100 |
| Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. Only available for IRCTC SBI Card Premier | Not specified | ₹1 |
| Point validity Only available for IRCTC SBI Card Premier | Not specified | 2 years |
Notes
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.