1 pt / ₹100 · Up to 3 pts / ₹100 on Indigo
Strong data Pairwise comparison
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Axis Bank IndiGo vs SBI Card IRCTC SBI Card Platinum Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the Axis Bank IndiGo and the SBI Card IRCTC SBI Card Platinum. Verify fees, lounge access, forex markup, and base rewards before you apply.
The short answer
VerdictPick IRCTC SBI Card Platinum for upi.
Head-to-head
Three core metrics- Annual fee IRCTC SBI Card Platinum saves ₹299/yrIndiGo ₹799 Annual-fee waiver not offeredIRCTC SBI Card Platinum ₹500
- Forex markup IndiGo 3.5%IRCTC SBI Card Platinum 3.5%
- Domestic lounge IndiGo 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹50,000 spend in the previous 3 calendar monthsIRCTC SBI Card Platinum 4/year
Reward earning explained
Per card1 pt / ₹100 · Up to 10 pts / ₹100 on IRCTC
Strong dataPick based on what matters
4 dimensionsStart with the constraint you care about most: annual fee (Axis Bank IndiGo: ₹799 vs SBI Card IRCTC SBI Card Platinum: ₹500), forex markup (3.5% vs 3.5%), or lounge access (4/year (1 per quarter) vs 4/year).
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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 1 per quarter. Domestic lounge access is 4 per year.
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Rewards Insufficient data Insufficient data to compare rewards
Available evidence is incomplete: Axis Bank IndiGo is not safely INR-comparable (no usable point value). SBI Card IRCTC SBI Card Platinum is not safely INR-comparable (no usable point value).
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upi SBI Card IRCTC SBI Card Platinum wins SBI Card IRCTC SBI Card Platinum is better for UPI usage
SBI Card IRCTC SBI Card Platinum is stronger here. Supports UPI via RuPay network.
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- IndiGo Axis Bank: Base earn not clearly specified
- IRCTC SBI Card Platinum: Base earn not clearly specified
Illustrative only, using current base rates before caps.
| Field | IndiGo Axis Bank | IRCTC SBI Card Platinum SBI Card |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits spend-gated on some cards — see caveats 4/year (1 per quarter) vs 4/year | 4/year (1 per quarter) | 4/year |
| Forex / International Use | ||
| Forex markup | 3.5% | 3.5% |
| Fees | ||
| Recurring annual fee ₹799 vs ₹500 | ₹799 | ₹500 |
| First-year cost Only available for IRCTC SBI Card Platinum | Not specified | ₹500 |
| Annual-fee waiver Only available for IndiGo Axis Bank | Not offered | Not specified |
| Monthly interest rate | 3.75% / month | 3.75% / month |
| Late-payment charge Only available for IRCTC SBI Card Platinum | Not specified | ₹400–₹1,100 depending on outstanding balance |
| Fuel benefit Only available for IndiGo Axis Bank | 1% surcharge waiver · ₹400–₹4,000 transactions · ₹400/month waiver cap | Not specified |
| Rewards | ||
| Points per ₹100 | 1 pt / ₹100 | 1 pt / ₹100 |
| Earn ceiling 750 points per statement cycle; at 2 pts / ₹100, this lane reaches the cap at ₹37,500 of eligible spend vs Not stated | 750 points per statement cycle; at 2 pts / ₹100, this lane reaches the cap at ₹37,500 of eligible spend | Not stated |
Notes
- IndiGo Axis Bank Credit Card: Condition: ₹50,000 spend in the previous 3 calendar months
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
Axis Bank IndiGo
Verify with issuer , opens external siteSBI Card IRCTC SBI Card Platinum
Verify with issuer , opens external site