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

350 bonus reward points worth Rs. 350 on card activation, subject to a single transaction of Rs. 500 or more done within 60 days of card issuance

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

10% value-back as reward points, upon booking AC1, AC2, AC3, ECC and Chair Car tickets via IRCTC website/app

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

4 complimentary railway lounge access in a year (1 per quarter)

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

Low annual fee travel credit card

Good value on train ticket bookings via IRCTC

Complimentary railway lounge access

Transaction charge waiver on railway ticket booking via IRCTC

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

Benefits on no other spending category apart from train travel

Base reward rate stands quite low at 0.8%

Low reward rate on non-IRCTC spends

No complimentary airport lounge access

Limited benefits for those who do not frequently travel by train

Domestic travellers who prefer travelling via railways over airlines and want a low annual fee card

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