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YES Prosperity vs SBI IRCTC Platinum

Compare YES Prosperity 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

YES Prosperity leads on reward rate, while SBI IRCTC Platinum has the lowest annual fee.

Card 1

YES Prosperity

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.5.0

Card 2

SBI IRCTC Platinum

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.3.4
YES Prosperity - YES credit card
Balanced value5.0

yes / MASTERCARD

YES Prosperity

Annual

₹1,499

Return

3%

Lounges

6

Forex

2.75%

Card summary
  • YES Prosperity leans travel and lifestyle with ₹1,499 annual fee, 3% headline return potential, and 6 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹1,499 annual fee.
  • 3% reward rate can outperform flat cashback for loyal users.
  • 6 lounge access adds travel utility.
Cons
  • 2.75% 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
YES Prosperity
SBI IRCTC Platinum
Fees
Annual fee
₹1,499
₹499
Joining fee
₹1,499
₹499
Rewards
Cashback rate
0.75%
1%
Reward rate
3%
2%
Travel
Forex markup
2.75%
3.5%
Domestic lounges
4
2
International lounges
2
0
Benefits
Fuel waiver
Yes
Yes
Dining
Yes
No
Movies
Yes
No
Eligibility
Minimum income
₹6,00,000
₹2,00,000

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