American Express® Platinum Reserve vs IRCTC HDFC Bank Credit Card

Joining Fees

₹10,000

₹500

Editor's Rating

3.7

3.7

Key Features

  • Welcome Gift of 11,000 Bonus Membership Rewards Points
  • Complimentary Airport Lounge accesses such as American Express and other Domestic Lounges in India. Also, get a Complimentary Membership to Priority Pass, with the US$99 Annual Membership Fee waived off
  • Avail privileges at Taj Hotels Palaces Resorts Safaris; Preferred Hotel Group
  • Get special benefits at Max Healthcare and various other curated benefits for mind, body and soul
  • Complimentary access to leading Golf courses in India
  • Avail 5 Reward Points for every Rs. 100 spent on the IRCTC ticketing website and Rail Connect App
  • Get 1 Reward Point for every Rs. 100 spent on all other spends
  • Avail an additional 5% cashback on train ticket bookings via HDFC Bank SmartBuy
  • 8 complimentary access to selected IRCTC Executive Lounges every year (2 per quarter)
  • Get a 1% transaction charges waiver on transactions done on the IRCTC ticketing website and Rail Connect App
  • Spend Rs. 1,50,000 or more in one year before Credit Card renewal and get the renewal fee waived off
  • Up to 50 days of interest-free period from the date of purchase
  • Revolving Credit available at a nominal interest rate
  • 1% fuel surcharge waiver at all fuel stations in India on transactions between Rs. 400 and Rs. 5,000
  • Milestone Benefits: Get a gift voucher valued at Rs. 500 when you make quarterly spends of Rs. 30,000 or more (every 90 days from the date of issue)
  • IRCTC Executive Lounge Benefits: Get 8 complimentary access to selected IRCTC Executive Lounges every year (2 per quarter)
  • It is now possible to link IRCTC HDFC Bank Credit Card to select UPI apps: PayZapp/ GPay/ PhonePe/ Mobikwik/ PayTM/ BHIM/ Slice
  • A maximum of 500 reward points can be earned on UPI spends in a calendar month using the IRCTC HDFC Bank Credit Card
  • Convert big spends into EMI after purchase
  • The IRCTC HDFC Bank Credit Card is equipped with contactless payment technology for added convenience and speed

Editor's Review

Pros

  • Relax luxuriously in the American Express Platinum Lounge at Delhi Domestic Terminal
  • Avail movie or online shopping vouchers worth Rs.6,000 per year
  • Special privileges at Taj, SeleQtions and Vivanta Hotels; Preferred Hotels & Resorts
  • Redeem the Points for over 500 options that include travel, dining, accessories and more

Cons

  • Poor reward structure
  • Absence of bonus reward points on milestone spends
  • High-interest rates
  • High Annual Fee

Pros

  • Complimentary access to Executive Lounges of IRTC
  • 5 Reward Points for every Rs. 100 spent on the IRCTC ticketing website and Rail Connect App
  • Get 1 Reward Point for every Rs. 100 spent on all other spends

Cons

  • No golf benefits are provided
  • No airport lounge access
  • No movie and dining benefits


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