Citi Rewards Credit Card vs IRCTC HDFC Bank Credit Card
Joining Fees
₹1,000
₹500
Editor's Rating
4.1
3.7
Key Features
- Earn minimum 1 reward point for every 125 on all purchases
- Gain 10X reward points at online, physical department, and apparel stores
- Gain 300 bonus points on card purchase of Rs. 30,000 or more in a month
- You can either redeem your points now or keep collecting them – it's a choice you have because they will never expire
- Instant Loans
- 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
- Get rewarded every time you shop
- Redeem Miles instantly via SMS against purchases at leading brands
- Turn big purchases into small payments
Cons
- No Golf/coaching sessions
- No complimentary Airport Lounge access
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
