HDFC Diners Club Premium Credit Card vs IRCTC HDFC Bank Credit Card

Joining Fees

₹2,500

₹500

Editor's Rating

3.3

3.7

Key Features

  • You can convert reward points to miles on Jet Airways, Air India and Singapore Airlines (1 reward point = 0.50 air mile)
  • Avail 10 X Reward Point on International spends
  • 24x7 concierge service for reservations for travel needs
  • Redeem Reward Points for booking Air Tickets / Hotels across 150+ Airlines and Choice of hotels (Domestic & International) at www.hdfcbankdinersclub.com .(1 Reward Point = 0.50 AirMile)
  • Lowest mark up on foreign currency transactions: Just 2%
  • Insurance Benefits 
  • 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 Up to 6 Complimentary access to 1000+ lounges Worldwide
  • Redeem points for exclusive gifts from the rewards catalogue
  • 4 Reward Points for every Rs. 150 spent
  • Get a free renewal by spending Rs. 3 lakhs in 12 months 

Cons

  • No complimentary offers for movie tickets 
  • No Cashback on spends 

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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