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SBI Card · SBI Card
Elite 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
45composite score
95% rule confidence
95% rule confidence
Winner
43composite score
95% rule confidence
95% rule confidence
Annual fee
₹4,999
₹1,500
Network
Mastercard
RuPay
Base reward rate
2%
0.8%
Min. income (monthly)
₹1,00,000
—
Min. credit score
720+
—
Best for
Dining
Everyday spends
Bonus reward categories differ, see the rule tables on each card's detail page for the fine print.
Tapwise verdict
Elite edges out for most wallets.
- Better base rate, 2% vs 0.8% on everything outside a bonus bucket.
Composite score
Elite45
IRCTC Premier43
Scored on fee, base rate, qualification, and rule confidence. Tapwise's personal recommendation also weighs your actual spending.
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