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SBI Card · SBI Card
Cashback vs IRCTC Premier
Side-by-side. The card that earns more depends on where you spend, Tapwise crunches the actual numbers for your wallet.
Winner
70composite score
95% rule confidence
95% rule confidence
Winner
43composite score
95% rule confidence
95% rule confidence
Annual fee
₹999
₹1,500
Network
Visa
RuPay
Base reward rate
5%
0.8%
Min. income (monthly)
₹30,000
—
Min. credit score
700+
—
Best for
Online shopping
Everyday spends
Bonus reward categories differ, see the rule tables on each card's detail page for the fine print.
Tapwise verdict
Cashback edges out for most wallets.
- Better base rate, 5% vs 0.8% on everything outside a bonus bucket.
- Lighter annual fee, ₹999 vs ₹1,500.
Composite score
Cashback70
IRCTC Premier43
Scored on fee, base rate, qualification, and rule confidence. Tapwise's personal recommendation also weighs your actual spending.
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