Which card has a lower forex fee: IRCTC SBI Card Platinum or Tata Neu Plus SBI Card?

Both cards have the same forex markup (3.5%).

Which card has a lower annual fee: IRCTC SBI Card Platinum or Tata Neu Plus SBI Card?

Tata Neu Plus SBI Card has a lower annual fee (₹499 vs ₹500).

Which card offers better lounge access?

IRCTC SBI Card Platinum: 4 domestic lounge visits/year. Tata Neu Plus SBI Card: 1 per quarter domestic lounge.

Which card has a higher base reward rate?

Base reward rates are not fully available for both cards in the current snapshot.

Pairwise comparison Compare 3+ cards →

SBI Card IRCTC SBI Card Platinum vs SBI Card Tata Neu Plus Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the SBI Card IRCTC SBI Card Platinum and the SBI Card Tata Neu Plus. Verify fees, lounge access, forex markup, and base rewards before you apply.

Quick comparison

Three core metrics

IRCTC SBI Card Platinum SBI Card

Annual fee ₹500 Waivable at ₹75,000 spend
Forex markup 3.5%
Domestic lounge 4/year

Tata Neu Plus SBI Card

Annual fee ₹499 Waivable at ₹1,00,000 spend
Forex markup 3.5%
Domestic lounge 1/quarter Conditional · Domestic: 1/quarter · requires ₹50,000 spend in the previous calendar quarter

Reward earning explained

Per card

IRCTC SBI Card Platinum

10 pts / ₹100 on IRCTC (domestic) (Up to 10% value back applies only to AC1, AC…

Tata Neu Plus

5 NeuCoins / ₹100 on Tata Neu Select Accelerated (Up to 5% extra on select cate…

Pick based on what matters

3 dimensions

Start with the constraint you care about most: annual fee (SBI Card IRCTC SBI Card Platinum: ₹500 vs SBI Card Tata Neu Plus: ₹499), forex markup (3.5% vs 3.5%), or lounge access (4/year vs 1/quarter).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is 4 per year. Domestic lounge access is 1 per quarter.
upi Tie

Both cards are similar for UPI usage

Supports UPI via RuPay network.

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Tata Neu Plus SBI Card: ~₹500/month at base rate
IRCTC SBI Card Platinum: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	IRCTC SBI Card Platinum SBI Card	Tata Neu Plus SBI Card
Lounge Access
Domestic lounge visits 4/year vs 1/quarter	4/year	1/quarter
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Annual fee ₹500 vs ₹499	₹500	₹499
Joining fee ₹500 vs ₹499	₹500	₹499
Fee waiver spend ₹75,000 vs ₹1,00,000	₹75,000	₹1,00,000
Rewards
Points per ₹100	1 pts	1 pts
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. Only available for Tata Neu Plus SBI Card	Not specified	₹1

Notes

Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.