Etihad Guest SBI Premier Card vs IRCTC HDFC Bank Credit Card

Joining Fees

₹4,999

₹500

Editor's Rating

3

3.7

Key Features

  • Avail discount up to 10% (3% on Economy Class and 10% on Business class) on direct Etihad Airways booking
  • Annual membership fee reversal from second year onwards will happen if you spend minimum of Rs. 5,00,000 in a year
  • Complimentary overseas air accident coverage of Rs. 50 Lakh
  • Complimentary Fraud liability cover of Rs. 1 Lakh
  • 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

  • Enjoy the privilege of instantly redeeming miles to book flights, hotels, car rentals from the participating travel partners or for purchasing amazing products at etihadguest.com.
  • Access over 1000 Airport Lounges worldwide
  • Up to 10% discount on travel rewards miles redemption

Cons  

  • No golf/coaching sessions
  • Joining fee Rs. 4,999

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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