SBI IRCTC Premier vs Axis Burgundy Private
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Axis Burgundy Private wins 5-4. Private-banking-tied super-premium — fee waived with banking AUM. SBI IRCTC Premier is still the right call if heavy irctc train booking users..
Side-by-side
| Criterion | SBI IRCTC Premier | Axis Burgundy Private |
|---|---|---|
| Annual fee | · ₹1,499 | No annual fee |
| Joining fee | · ₹1,499 | None |
| Top reward rate | 10% (travel) | · 5% (general) |
| Base reward rate | · 1.25% | 5% |
| Forex markup | · 3.5% | No FX fee |
| Welcome bonus | = 1,500 reward points + waived first-year fee on ₹1L spend | = Burgundy Private banking relationship + 50K points |
| Fee waiver threshold | ₹200,000 / yr | · N/A (no fee) |
| Min income | ₹300,000 | · ₹10,000,000 |
| Min credit score | 740 | · 800 |
| Editorial rating | · 3.9/5 | 4.6/5 |
Benefits compared
SBI IRCTC Premier
- 10% IRCTC reward points on train ticket bookings
- 1.25% on other spends
- 4 IRCTC lounge visits/year
- 1% transaction fee waiver on IRCTC site
Axis Burgundy Private
- 5 EDGE points per ₹100
- Unlimited international + domestic lounge access
- Annual fee waived for Burgundy Private clients (₹5Cr+ AUM)
- 0% forex markup on travel via Travel EDGE
- Dedicated relationship manager + concierge
FAQ
›SBI IRCTC Premier vs Axis Burgundy Private: which is better?
Axis Burgundy Private wins on more dimensions (5 vs 4). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use SBI IRCTC Premier for its best categories, Axis Burgundy Private for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
SBI IRCTC Premier: 1,500 reward points + waived first-year fee on ₹1L spend. Axis Burgundy Private: Burgundy Private banking relationship + 50K points.