SBI IRCTC Premier vs SpiceJet Axis Bank Voyage Black
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
Both cards score 8.3/10 — your spending pattern decides the winner.
| Feature | SBI IRCTC Premier | SpiceJet Axis Bank Voyage Black |
|---|---|---|
| CardTrail Score | 8.3/10 | 8.3/10 |
| Annual Fee | ₹1,499 | ₹2,000 |
| Base Reward Rate | 1% | 1.5% |
| Max Reward Rate | 10% | 14% |
| Forex Markup | 3.5% | 3.5% |
| Domestic Lounges | 8 | 8 |
| International Lounges | 0 | 0 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa | Visa |
When to Choose SBI IRCTC Premier
- You can meet the fee waiver condition: Rs.2 lakh annual spend
- Your primary spend is: travel, railways
When to Choose SpiceJet Axis Bank Voyage Black
- You want higher rewards — up to 14% vs 10%
- Your primary spend is: travel, spicejet, flights
Annual Fee Value Analysis
To break even on SBI IRCTC Premier's ₹1,499 fee at 1% rewards, spend ₹12,492/month.
To break even on SpiceJet Axis Bank Voyage Black's ₹2,000 fee at 1.5% rewards, spend ₹11,111/month.