COMPARE
IRCTC BOBCARD RuPay Credit Card vs IRCTC SBI Card Premier
On net annual value, IRCTC SBI Card Premier beats IRCTC BOBCARD RuPay in all four spend profiles we model, from ₹3,869 a year for everyday spenders to ₹22,091 for high spenders. IRCTC BOBCARD RuPay costs ₹350 a year against ₹1,499. Figures as of .
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Who comes out ahead — by how you spend
Estimated net annual value for four typical spend profiles: the rewards each card earns on that spend (a merchant or portal bonus only on the share of spend it plausibly reaches), plus the perks and milestone bonuses that spender would use, less any annual fee the spend does not waive (with GST) and the forex markup on spending abroad. Lounge access carries no rupee value here.
| Spender | IRCTC BOBCARD RuPay Credit Card | IRCTC SBI Card Premier |
|---|---|---|
Everyday spender ≈ ₹40k/mo across groceries, bills, dining and fuel | ₹2,438/yr | ₹6,307/yr✓ +₹3,869/yr |
Online shopper ≈ ₹60k/mo, mostly e-commerce and subscriptions | ₹3,458/yr | ₹8,371/yr✓ +₹4,913/yr |
Frequent traveller ≈ ₹1.2L/mo with heavy travel and forex spend | −₹841/yr | ₹11,112/yr✓ +₹11,953/yr |
High spender ≈ ₹2.5L/mo across every category | −₹923/yr | ₹21,168/yr✓ +₹22,091/yr |
Illustrative profiles, not a personalised result — your categories decide the real winner. Run these two on my spending →
What your points are actually worth
A point's headline value means little without the earn rate behind it. Here's the real math — the value of a point by how you redeem it, the resulting return by category, and the net rupees for your own spend.
| Value of one point, by route | IRCTC BOBCARD RuPay Credit CardBOB Reward Points | IRCTC SBI Card PremierSBI Reward Points |
|---|---|---|
| Cash / statement credit | ₹0.25BEST | ₹0.25BEST |
| Gift vouchers | ₹0.25BEST | ₹0.25BEST |
Return by categoryearn rate × point value
Headline reward rate per category, before monthly caps.
Your spend, head to head
Enter your monthly spend — net value is the annual rewards after the card fee, at each card's best realistic redemption (our recommender's model, caps and fee-waivers included).
Total ₹60,000/mo · ₹7,20,000/yr
Want the money-first pick across your whole wallet? Run the recommender →
| IRCTC BOBCARD RuPay Credit Card | IRCTC SBI Card Premier | |
|---|---|---|
| Fees | ||
| Joining fee | ₹500 | ₹1,499 |
| Annual fee | ₹350/yr ✓ | ₹1,499/yr |
| Annual fee — all-in (incl. 18% GST) | ₹413 ✓ | ₹1,769 |
| Fee waiver at | — | ₹2,00,000/yr spend |
| Welcome benefit | ~₹125 | ~₹1,500 |
| Rewards | ||
| Best everyday reward | 1% on Groceries | 2.4% on Dining ✓ |
| Dining | 0.5% | 2.4% ✓ |
| Groceries | 1% ✓ | 0.8% |
| Base rate — other spends | 0.5% | 0.8% ✓ |
| Travel | 0.5% | 0.8% ✓ |
| Utility Bills | — | 2.4% |
| Charges | ||
| Forex markup | 3.5% | 3.5% |
| Finance charge | 3.75% p.m. | — |
| Cash advance | — | — |
| Add-on card | — | — |
| Perks | ||
| fuel waiver | ~₹1,200/yr · 1% fuel surcharge waiver on fuel transactions between ₹500 and ₹3,000, capped at ₹100 per statement — fuel spends earn no reward points | ~₹3,000/yr · 1% fuel surcharge waiver on transactions of ₹500–₹4,000, capped at ₹250 per statement cycle |
| insurance | — | ✓ · ₹50 lakh air accident cover (United India Insurance) and ₹1 lakh fraud liability cover. The ₹10 lakh RAIL accident cover was withdrawn on 26 July 2025; the air cover was not |
| lounge access | ~₹600/yr · Up to 4 complimentary railway lounge visits a year (max 1 per quarter) | ~₹1,200/yr · 8 complimentary railway lounge visits a year (2 per quarter) at participating stations |
| Eligibility | ||
| Min income | ₹30,000/mo | — |
| Min age | 21+ yrs | — |
| UPI linked | Yes | — |
| Expert rating | 3.9 / 5 | 4.4 / 5 ✓ |
Reward rates above are the realistic value you keep — points earned × what a point is worth at each card's own best redemption, before monthly caps — so cards with different point values compare fairly. Bank-portal accelerators (earned only by booking through the issuer's own portal, on a slice of spend) are bounded upside, listed separately here rather than blended into the everyday rates.
Which should you pick?
Choose the IRCTC BOBCARD RuPay Credit Card if you want strong rewards on groceries at a lower annual fee. Consider the IRCTC SBI Card Premier if you spend more on dining. Your actual best card depends on how you spend — run your numbers below.
IRCTC BOBCARD RuPay Credit Card vs IRCTC SBI Card Premier — FAQs
Which has a lower annual fee, IRCTC BOBCARD RuPay Credit Card or IRCTC SBI Card Premier?
As of 11 Oct 2026, IRCTC BOBCARD RuPay has the lower annual fee: ₹350 (₹413 with 18% GST), against ₹1,499 (₹1,769 with 18% GST) on IRCTC SBI Card Premier. IRCTC SBI Card Premier waives its fee after ₹2,00,000 of spend in a card year; IRCTC BOBCARD RuPay has no spend-based waiver. IRCTC BOBCARD RuPay charges ₹500 to join.
Do IRCTC BOBCARD RuPay Credit Card and IRCTC SBI Card Premier offer airport lounge access?
As of 11 Oct 2026, neither IRCTC BOBCARD RuPay nor IRCTC SBI Card Premier includes airport lounge access. IRCTC BOBCARD RuPay has no airport lounge access in our catalogue, only up to 4 railway lounge visits a year (1 a quarter). IRCTC SBI Card Premier has no airport lounge access in our catalogue, only 8 railway lounge visits a year (2 a quarter). For spending abroad, IRCTC BOBCARD RuPay and IRCTC SBI Card Premier both add a 3.5% forex markup.
Which card has lower forex markup, IRCTC BOBCARD RuPay Credit Card or IRCTC SBI Card Premier?
As of 11 Oct 2026, IRCTC BOBCARD RuPay and IRCTC SBI Card Premier charge the same 3.5% forex markup. With 18% GST on the markup, each foreign-currency transaction on IRCTC BOBCARD RuPay or IRCTC SBI Card Premier costs about 4.13% extra, roughly ₹4,130 on ₹1,00,000 spent abroad.
For a frequent traveller, is the IRCTC BOBCARD RuPay Credit Card or IRCTC SBI Card Premier better value?
On figures as of 11 Oct 2026, IRCTC SBI Card Premier comes out ahead for a frequent traveller (about ₹1.2 lakh a month with heavy travel and forex spend), with a net annual value (rewards, perks and milestones, less the annual fee and forex markup) of ₹11,112 against −₹841 on IRCTC BOBCARD RuPay, a ₹11,953 gap. At this spend IRCTC SBI Card Premier waives its ₹1,499 annual fee.
For everyday spending, which returns more: IRCTC BOBCARD RuPay Credit Card or IRCTC SBI Card Premier?
On figures as of 11 Oct 2026, IRCTC SBI Card Premier comes out ahead for an everyday spender (about ₹40,000 a month across groceries, bills, dining and fuel), with a net annual value (rewards, perks and milestones, less the annual fee and forex markup) of ₹6,307 against ₹2,438 on IRCTC BOBCARD RuPay, a ₹3,869 gap. At this spend IRCTC SBI Card Premier waives its ₹1,499 annual fee.
Which is better, IRCTC BOBCARD RuPay Credit Card or IRCTC SBI Card Premier?
As of 11 Oct 2026, IRCTC BOBCARD RuPay earns 1% on groceries outside merchant or portal bonuses, paid as BOB Reward Points, and IRCTC SBI Card Premier earns 2.4% on dining outside merchant or portal bonuses, paid as SBI Reward Points. IRCTC SBI Card Premier comes out ahead on net annual value in all four spend profiles we model. The case for IRCTC BOBCARD RuPay is that it costs ₹350 a year against ₹1,499.