Compare : IRCTC HDFC Bank Credit Card vs IRCTC SBI Card Premier

Gift voucher of Rs. 500 on card activation within first 37 days of card issuance

1,500 reward points on joining fee payment

5 reward points per Rs. 100 spent on Rail Connect app and IRCTC website

1 reward point on every Rs. 100 spent on all other categories

Additional 5% cashback on booking IRCTC train tickets using HDFC Bank SmartBuy

10% reward points on AC1, AC2, AC3, Executive Chair car and Chair Car bookings via IRCTC platforms

5% rewards on e-catering orders & air tickets on IRCTC platforms

3 reward points per Rs. 125 spent on dining & standing instructions on utility spends

1 reward point per Rs. 125 non-fuel retail spends

Redeemable on IRCTC platforms, 1 reward point = Rs. 1

8 complimentary access to select IRCTC Executive Lounges per year (2 per quarter)

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5X rewards & 5% cashback on IRCTC train ticket bookings

Welcome benefits worth the joining fee of Rs. 500

Complimentary railway lounge visits every year

Redemption of rewards against train ticket bookings at a 1:1 ratio

Low annual fee of Rs. 500, making it affordable for regular users

Redemption of reward points against IRCTC bookings at a 1:1 ratio

Good frequency of complimentary railway lounge visits

Easily achievable spending milestones of Rs. 50,000 & Rs. 1 Lakh

Accelerated rewards on dining and utility spends

Low reward rate on non-IRCTC spends

No complimentary airport lounge access

Limited benefits for those who do not frequently travel by train

Low reward rate on general spends

No general travel benefits like airport lounge access or direct discounts on travel spends

People who frequently travel by train and prefer to make bookings through the IRCTC app or website

Those who frequently travel via train and book their air tickets via IRCTC platforms