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Comparison · हिन्दी

Axis My Wings vs IRCTC SBI Platinum

Both cards compared on real rupee returns for best budget domestic travel credit card India Axis vs IRCTC SBI. We ran the numbers so you can make the right call.

Updated · Terms checked by Prashant Parikh
AXIS
MY WINGS
ASHOK KUMAR
VS
SBI
IRCTC PLATINUM
ASHOK KUMAR
Our verdict
IRCTC SBI Platinum Credit Card wins for most people
IRCTC SBI Platinum wins decisively with ₹652 annual benefit versus ₹76, delivering 8.6x better value. Its 10% reward on AC train tickets and transaction charge waiver far outpace Axis My Wings' modest 0.5% base rewards.
Side-by-side comparison
Axis Bank My Wings Credit Card IRCTC SBI Platinum Credit Card ✓
Annual benefit ₹76 ₹652
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹500 + taxes (first year free on ₹5,000 spend within 45 days; waived on ₹1,00,000/year spend) ₹500 joining; ₹300 renewal from Year 2 (get 500 RP worth ₹500 annually, effectively free)
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 4 EDGE reward points per ₹200 on all eligible spends (0.5%); cashback on bus, train and domestic flight tickets 10% value back as reward points on AC train tickets via IRCTC; 1.8% transaction charge waiver; 0.8% base (1 RP per ₹125)
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 4 domestic visits/year (1 per quarter) 4 railway lounge visits/year (1 per quarter)
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5% 3.5%
Best for Budget domestic travellers wanting cashback on bus, train and flight ticket bookings Frequent AC train travellers who book on IRCTC website or app
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹25,000/month (salaried) ₹20,000/month (salaried)
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+ 700+
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When each card wins
Axis Bank My Wings Credit Card
Axis My Wings suits occasional domestic flyers who book bus or flight tickets sporadically and value simplicity over rewards optimization. Choose it only if train travel isn't part of your routine.
IRCTC SBI Platinum Credit Card
IRCTC SBI Platinum excels for anyone making regular AC train bookings via IRCTC, where 10% value back creates substantial savings. Its transaction charge waiver and ₹500 annual reward points make it ideal for frequent rail travellers.
Who should get which card
Get Axis Bank My Wings if you…
· Primarily book domestic flights or bus tickets through travel portals
· Prefer simpler card structures without category-specific bonuses
· Travel budget under ₹12,000 monthly with minimal train usage
Get IRCTC SBI Platinum if you…
· Regularly book AC train tickets on IRCTC website or mobile app
· Value 10% rewards on train travel and transaction charge waivers
· Willing to optimize spending around IRCTC bookings for maximum benefit
Partner offer
IDFC FIRST Ashva Credit Card
Frequent travellers who book hotels and flights through the IDFC FIRST Bank app specifically, where the real redemption value is highest; weak for everyday spending outside the app
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IDFC
ASHOK KUMAR

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Related guides
RBL Bank IRCTC vs IRCTC SBI Platinum →Axis Bank My Wings vs Scapia Axis Bank →IRCTC SBI Platinum vs IRCTC SBI Card Premier →Best Travel Credit Cards →Best Premium Credit Cards →Best Super Premium Credit Cards →
Frequently asked questions
Based on our analysis, IRCTC SBI Platinum Credit Card offers better annual returns for most spend profiles.
Axis Bank My Wings Credit Card has an annual fee of ₹500 + taxes (first year free on ₹5,000 spend within 45 days; waived on ₹1,00,000/year spend). IRCTC SBI Platinum Credit Card has an annual fee of ₹500 joining; ₹300 renewal from Year 2 (get 500 RP worth ₹500 annually, effectively free).
Axis Bank My Wings Credit Card offers 4 EDGE reward points per ₹200 on all eligible spends (0.5%); cashback on bus, train and domestic flight tickets. IRCTC SBI Platinum Credit Card offers 10% value back as reward points on AC train tickets via IRCTC; 1.8% transaction charge waiver; 0.8% base (1 RP per ₹125).
Axis Bank My Wings Credit Card lounge access: 4 domestic visits/year (1 per quarter). IRCTC SBI Platinum Credit Card lounge access: 4 railway lounge visits/year (1 per quarter).
Axis Bank My Wings Credit Card charges 3.5% forex markup. IRCTC SBI Platinum Credit Card charges 3.5% forex markup.