IRCTC SBI Card Premier VS HDFC Bank RuPay IRCTC Credit Card VS IRCTC RBL Bank Credit Card VS IRCTC RuPay BOBCARD Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
IRCTC SBI Card Premier
HDFC Bank RuPay IRCTC Credit Card
IRCTC RBL Bank Credit Card
IRCTC RuPay BOBCARD Credit Card
Who is it for?
Who is it for?
Who is it for?
Who is it for?
Pros
Key benefits and features.
Offers significant savings and rewards for frequent Indian Railways travelers.
Generous 1:1 reward point value, with 1500 bonus points offsetting joining fee.
Enjoy complimentary railway lounge access and waivers on IRCTC booking fees.
Achieve annual fee waiver on spends over Rs. 2 Lakhs, enhancing long-term value.
Pros
Key benefits and features.
Provides an Amazon voucher worth ₹500 as a welcome benefit upon card activation.
Earn 5X Reward Points on IRCTC spends and competitive rates on other retail purchases.
Includes complimentary railway lounge access (8 per year, 2 per quarter).
Allows for a spend-based waiver of the annual renewal fee.
Grants an additional 5% cashback on train ticket bookings via HDFC SmartBuy.
Pros
Key benefits and features.
Offers a high 2.5% reward rate on train ticket bookings through IRCTC, very useful for frequent train travelers.
Features NCMC for tap-and-pay convenience across metros and public transport networks.
Available at a low joining and annual fee of just ₹500 + GST, making it accessible.
Provides complimentary railway lounge access with 8 visits per year for enhanced travel comfort.
The RuPay variant enables convenient and secure UPI payments for daily transactions.
Pros
Key benefits and features.
Offers up to 40 Reward Points per ₹100 on IRCTC bookings, ideal for train travelers.
Provides 4 complimentary railway lounge accesses annually, enhancing travel comfort.
Accelerated rewards on grocery and departmental store purchases for daily spends.
Includes waivers on fuel and IRCTC transaction surcharges, saving on common expenses.
Benefit from lifetime free add-on cards and convenient Smart EMI options.
Cons
Key drawbacks and limitations.
A redemption fee of Rs. 99 applies to each reward point redemption request.
High foreign currency markup of 3.5% for all international transactions.
Certain valuable insurance benefits like air/rail accident cover will be discontinued.
A 1% charge is levied on online railway ticket cancellations booked with the card.
Cons
Key drawbacks and limitations.
A minimum of 100 points is required for reward redemption.
Maximum value for reward points is limited to train ticket purchases on HDFC SmartBuy.
A Rewards Redemption Fee of ₹99 + GST applies.
Features a high Foreign Currency Markup of 3.5%.
Carries a high interest rate of 3.75% per month (45% annually) for revolving credit.
Cons
Key drawbacks and limitations.
Primarily travel-focused, lacking specific benefits for dining, movies, or other common spending categories.
Reward points are not earned on specific categories like fuel, utilities, and certain offline UPI transactions.
A redemption fee of ₹99 + GST is charged for redeeming reward points, which can reduce overall savings.
The annual fee of ₹500 + GST is not eligible for a spend-based waiver, making it a recurring cost.
Cons
Key drawbacks and limitations.
High foreign currency markup of 3.5% makes international spends expensive.
Interest rates are high at 3.75% per month, discouraging revolving credit.
Reward points for IRCTC bookings are only on primary cardholder's fare.
Accelerated rewards on other categories are capped per statement cycle.
Limited benefits outside of train travel, groceries, and departmental stores.