Compare Cards India - Apply Right Credit Card For You

SBI Unnati Credit Card Apply Now	SBI Shaurya Select Credit Card Apply Now	SBI SimplyCLICK Credit Card Apply Now	IRCTC SBI Platinum Credit Card Apply Now
Joining Fee Nil	Joining Fee Nil	Joining Fee Rs. 499 + GST	Joining Fee Rs. 500 + GST
Rewards and Benefits
Welcome Benefits NA	Welcome Benefits NA	Welcome Benefits Amazon Gift Card Worth Rs. 500	Welcome Benefits Earn 350 activation bonus on a single transaction of Rs 500 or more within 45 days of the activation of the credit card. Earn Rs 100 cashback on ATM cash Withdrawal for the first time.
Rewards Rate 1 reward point per Rs 100 you spend	Rewards Rate 2 Reward Points on every spend of Rs. 100, 5x Reward Points on dining, groceries, departmental stores, and movies.	Rewards Rate Get 10X Reward Points on partner brands (e.g. BookMyShow, Apollo 24/7), 5X Reward Points on online purchases, and 1 Reward Point for every Rs. 100 spent on other purchases.	Rewards Rate Earn up to 10% Value Back as Reward Points while you book Railway Tickets on IRCTC. Earn 1 Reward Point for every Rs 125 spent. 1 Reward Point= Re. 1
Movie & Dining NA	Movie & Dining NA	Movie & Dining N/A	Movie & Dining NA
Reward Redemption 1 RP = Rs 0.25 on redemption against a host of gifts and benefits at the SBI Card rewards catalog.	Reward Redemption The Reward Points can be redeemed against the card's outstanding balance and various other options. 1 Reward Point = Re. 0.25.	Reward Redemption Reward Points can be redeemed for gift vouchers on sbicard.com or via the SBI mobile app, as well as for paying the card’s outstanding balance, 1 RP = Rs. 0.25	Reward Redemption Redeem your RPs against booking railway tickets on IRCTC ‘s Website.
Travel NA	Travel NA	Travel N/A	Travel Save 1% transactions charges on railway tickets booking on IRCTC’s website. Avail accommodation offers at more than 5000 hotels spread across 350 cities in India. Avail custom made packages from adventure, wildlife to leisure and pilgrimage across India from IRCTC Website.
Golf NA	Golf NA	Golf N/A	Golf NA
Domestic Lounge NA	Domestic Lounge NA	Domestic Lounge N/A	Domestic Lounge 4 complimentary railway lounge access per year, maximum 1 per quarter
International Lounge NA	International Lounge NA	International Lounge N/A	International Lounge NA
Insurance Benefits NA	Insurance Benefits Complimentary insurance cover worth Rs. 10 lakhs against personal accident.	Insurance Benefits N/A	Insurance Benefits NA
Zero Liability Protection NA	Zero Liability Protection The cardholder will not be liable for any fraudulent transactions made against a lost/stolen card if the card is reported lost to the bank in a timely manner.	Zero Liability Protection The cardholders get a zero liability protection against a lost/stolen card if the loss is informed to the bank officials timely.	Zero Liability Protection NA
Fees & Charges

Renewal Fee Nil	Renewal Fee Rs. 1,499 + GST	Renewal Fee Rs. 499 + GST	Renewal Fee Rs. 300 + GST
Spend Based Waiver NA	Spend Based Waiver The renewal fee is waived off on spending Rs. 1,50,000 or more in the previous year.	Spend Based Waiver Renewal fee waiver on annual spend of Rs. 1 lakh	Spend Based Waiver Nil
Rewards Redemption Fee Rs 99 per redemption request	Rewards Redemption Fee Rs. 99 on every redemption request	Rewards Redemption Fee Rs. 99 (plus taxes) on each redemption request	Rewards Redemption Fee Rs 99
Foreign Currency Markup 3.5% on the conversion amount	Foreign Currency Markup 3.5% on all foreign currency spends.	Foreign Currency Markup 3.5% of the total transaction amount	Foreign Currency Markup 3.5% of the total transaction value.
Interest Rates 3.5% per month ( 42% per annum)	Interest Rates 2.75% p.m. (33% annually)	Interest Rates 3.5% per month or 42% annualized	Interest Rates 3.5% per month or 42% per annum
Fuel Surcharge 1% surcharge waiver on all fuel purchases using the SBI Unnati credit card	Fuel Surcharge 1% fuel surcharge waiver on all fuel transactions between Rs. 500 and Rs. 4,000.	Fuel Surcharge 1% fuel surcharge waived on fuel transactions from Rs. 500 to Rs. 3,000 (max waiver capped at Rs. 100 per month)	Fuel Surcharge 1% of Fuel Surcharge Waiver (Maximum waiver of Rs 100 per statement cycle) at all fuel stations across India.
Cash Advance Charges 2.5% on the amount withdrawn subject to a minimum charge of Rs. 500	Cash Advance Charges 2.5% of the withdrawn amount or a minimum of Rs. 500.	Cash Advance Charges 2.5% of the withdrawal amount or a minimum fee of Rs. 500	Cash Advance Charges 2.5% of the total transaction amount (Minimum Rs. 500)
Add-on Card Fee Nil	Add-on Card Fee Nil	Add-on Card Fee Nil	Add-on Card Fee Nil

SBI Unnati Credit Card

SBI Shaurya Select Credit Card

SBI SimplyCLICK Credit Card

IRCTC SBI Platinum Credit Card

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