ixigo AU vs SBI IRCTC Premier
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
ixigo AU Credit Card wins 5 of 8 dimensions with a CardTrail Score of 8.9/10 vs 8.3/10.
| Feature | ixigo AU | SBI IRCTC Premier |
|---|---|---|
| CardTrail Score | 8.9/10 | 8.3/10 |
| Annual Fee | Free | ₹1,499 |
| Base Reward Rate | 2.5% | 1% |
| Max Reward Rate | 5% | 10% |
| Forex Markup | Zero | 3.5% |
| Domestic Lounges | 8 | 8 |
| International Lounges | 1 | 0 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | RuPay | Visa |
When to Choose ixigo AU
- You want a lifetime free card with zero annual cost
- You travel internationally — saves ₹3,500/year on ₹1L forex spend
- Your primary spend is: travel, railway, budget-travel
When to Choose SBI IRCTC Premier
- You can meet the fee waiver condition: Spend ₹2L/year
- You want higher rewards — up to 10% vs 5%
- Your primary spend is: travel, railways
Forex Cost Comparison
On ₹1,00,000 annual international spending: ixigo AU costs ₹0 in forex fees vs SBI IRCTC Premier at ₹4,130. You save ₹4,130/year with ixigo AU.
Annual Fee Value Analysis
To break even on SBI IRCTC Premier's ₹1,499 fee at 1% rewards, spend ₹12,492/month.
ixigo AU is lifetime free — no break-even needed.