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AU Laksya vs SBI IRCTC Platinum

Compare AU Laksya vs SBI IRCTC Platinum across fees, rewards, cashback, lounge access, and eligibility to shortlist the best fit.

Comparison cockpit

Futuristic side-by-side card intelligence

AU Laksya leads on reward rate, while SBI IRCTC Platinum has the lowest annual fee.

Card 1

AU Laksya

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.5.6

Card 2

SBI IRCTC Platinum

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.3.4
AU Laksya - AU credit card
Balanced value5.6

au / VISA

AU Laksya

Annual

₹1,000

Return

3%

Lounges

8

Forex

2.99%

Card summary
  • AU Laksya leans travel and lifestyle with ₹1,000 annual fee, 3% headline return potential, and 8 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹1,000 annual fee.
  • 3% reward rate can outperform flat cashback for loyal users.
  • 8 lounge access adds travel utility.
Cons
  • 2.99% forex markup can reduce overseas value.
  • Eligibility still depends on bank policy and credit history.
  • Travel value depends on actually using lounge and trip perks.
Best for

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.

Value profile

Balanced fee-to-benefit setup for regular card users.

Full card details
SBI IRCTC Platinum - SBI credit card
Balanced value3.4

sbi / VISA

SBI IRCTC Platinum

Annual

₹499

Return

2%

Lounges

2

Forex

3.5%

Card summary
  • SBI IRCTC Platinum leans travel and lifestyle with ₹499 annual fee, 2% headline return potential, and 2 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹499 annual fee.
  • 2% reward rate can outperform flat cashback for loyal users.
  • 2 lounge access adds travel utility.
Cons
  • 3.5% forex markup can reduce overseas value.
  • Eligibility still depends on bank policy and credit history.
  • Travel value depends on actually using lounge and trip perks.
Best for

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.

Value profile

Balanced fee-to-benefit setup for regular card users.

Full card details
Metric
AU Laksya
SBI IRCTC Platinum
Fees
Annual fee
₹1,000
₹499
Joining fee
₹1,000
₹499
Rewards
Cashback rate
1%
1%
Reward rate
3%
2%
Travel
Forex markup
2.99%
3.5%
Domestic lounges
8
2
International lounges
0
0
Benefits
Fuel waiver
Yes
Yes
Dining
Yes
No
Movies
Yes
No
Eligibility
Minimum income
₹5,00,000
₹2,00,000

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