IRCTC SBI Card on RuPay
Rs 500Annual fee
0Domestic lounge
3.5%Forex markup
Best for
railway, irctc, travel, rupay, low fee
Top rewards
Eligible railway ticket bookings on IRCTC: 10 Reward Points / Rs 100 spent; Other eligible non-fuel retail purchases: 1 Reward Point / Rs 125 spent
IRCTC HDFC Bank Credit Card
Rs 500Annual fee
Rs 1,50,000Fee waiver spend
0Domestic lounge
Domestic lounge conditions
- 8 complimentary IRCTC Executive Lounge visits per year (max 2 per quarter). A Rs 2 validation charge applies per visit.
- Access requires presenting a valid, unexpired IRCTC HDFC Bank Credit Card and valid train ticket at the lounge entrance.
- Excess visits beyond 2 per quarter are chargeable at the lounge's discretion.
3.5%Forex markup
Best for
train travel, irctc, rail lounge, low fee
Top rewards
IRCTC ticketing website and Rail Connect App: 5 Reward Points / Rs 100 spent; Other eligible retail spends: 1 Reward Point / Rs 100 spent; Insurance spends (capped): 1 Reward Point / Rs 100 spent
| Feature | IRCTC SBI Card on RuPay | IRCTC HDFC Bank Credit Card |
|---|---|---|
| Issuer | SBI Card | HDFC Bank |
| Network | RuPay | RuPay |
| Joining fee | Rs 500 | Rs 500 |
| Annual fee | Rs 500 | Rs 500 |
| Fee waiver spend | - | Rs 1,50,000 |
| Reward type | reward points | reward points |
| Best for | railway, irctc, travel, rupay, low fee | train travel, irctc, rail lounge, low fee |
| Top reward categories | Eligible railway ticket bookings on IRCTC: 10 Reward Points / Rs 100 spent; Other eligible non-fuel retail purchases: 1 Reward Point / Rs 125 spent | IRCTC ticketing website and Rail Connect App: 5 Reward Points / Rs 100 spent; Other eligible retail spends: 1 Reward Point / Rs 100 spent; Insurance spends (capped): 1 Reward Point / Rs 100 spent |
| SmartBuy / accelerated caps | Not listed | Not listed |
| Domestic lounge | 0 | 0 |
| International lounge | 0 | 0 |
| Forex markup | 3.5% | 3.5% |
| Milestone benefits | Not listed | Gift voucher worth Rs 500 every calendar quarter on spends of Rs 30,000 or more in that quarter, Renewal fee waived on spends of Rs 1,50,000 or more in the anniversary year |
| Redemption | Not listed | Not listed |
| Key exclusions | fuel, cash withdrawal, fees and charges, disputed transactions | Fuel transactions, Wallet loading, gift card loading, prepaid card loading, and voucher purchases, Cash advances, Payment of outstanding balances, Payment of card fees and other charges, Government related transactions |