SBI IRCTC Platinum vs IndusInd EazyDiner

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

Comparison cockpit

Futuristic side-by-side card intelligence

IndusInd EazyDiner leads on reward rate, while SBI IRCTC Platinum has the lowest annual fee.

Card 1

SBI IRCTC Platinum

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.3.4

Card 2

IndusInd EazyDiner

Everyday users who prefer steady rewards, manageable fees, and simple eligibility.4.4

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

IndusInd EazyDiner Credit Card

Balanced value4.4

indusind / MASTERCARD

IndusInd EazyDiner

Annual

₹1,500

Return

3%

Lounges

2

Forex

3.5%

Card summary

IndusInd EazyDiner leans reward-led with ₹1,500 annual fee, 3% headline return potential, and 2 lounge access.

Pros

Strong benefit ceiling if you recover the ₹1,500 annual fee.
3% 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 benefits are limited compared with premium cards.

Best for

Everyday users who prefer steady rewards, manageable fees, and simple eligibility.

Value profile

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

Full card details

Metric

SBI IRCTC Platinum

IndusInd EazyDiner

Fees

Annual fee

₹499

₹1,500

Joining fee

₹499

₹1,500

Rewards

Cashback rate

1%

1%

Reward rate

2%

3%

Travel

Forex markup

3.5%

3.5%

Domestic lounges

2

2

International lounges

0

0

Benefits

Fuel waiver

Yes

Yes

Dining

No

Yes

Movies

No

No

Eligibility

Minimum income

₹2,00,000

₹5,00,000

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