HDFC Diners Club Rewardz Credit Card vs IRCTC RBL Bank Credit Card

• Book Air Tickets / Hotels across 150+ Airlines and choice of Hotels (Domestic & International) at www.hdfcbankdinersclub.com
• You can Redeem Reward points for booking Air Tickets / Hotels across 150+ Airlines and Choice of hotels (Domestic & International) at www.hdfcbankdinersclub.com ( 1 Reward Point = 0.30 AirMile )
• 10 X Reward Point on International spends for shopping at partnered brands
• Redeem Reward Point for AirMiles across InterMiles, or Singapore Airlines (KrisFlyer Miles). (1 Reward Point = 0.30 AirMile )
• Fuel Surcharge Waiver capped at Rs. 500 every billing cycle

• Level up the travel with up to 40X benefits! The card has annual fee of Rs. 500, so the cardholder can end up with benefits worth up to Rs. 20,000 annually by shopping, dining, travel bookings, and more with this Card. That’s 40 times the value of the annual fee
• Redeem the Reward Points directly on IRCTC at incredible value - 1 Reward Point = Rs. 1
• Navigate the daily commutes effortlessly at metro and bus stations by simply tapping the card
• Enjoy a seamless payment process by using UPI, simply scan and pay for a smooth transaction process
• 8 complimentary (2 visits per quarter) lounge access at railway stations
• Enjoy Rs. 5,000 cancellation protection in case a train is cancelled at the last minute
• Transaction charges of 1% will be reversed on IRCTC RBL Bank Credit Card. Max Rs. 200 surcharge waiver per month on transaction up to Rs. 5,000
• Get 5 Reward Points per Rs. 200 spent on train ticket bookings via the IRCTC website or App
• Get 3 Reward Points per Rs. 200 swiped on FASTag recharge from RBL Bank Digital Channels/NCMC Reload/UTS App
• Along with getting rewards on train tickets, cardholder can also avail 2 Reward Points per Rs. 200 spent on booking flights, hotels and cruises from the IRCTC website or App
• Get 1 Reward Point per Rs. 200 spent everywhere

Pros

• 3 Reward Points for every Rs.  150 spent; 3X Reward Points for spends at partner brands
• Get double the Reward Points for spends on groceries, dining and airline tickets
• 24x7 concierge service 

Cons

• No complimentary offers for movie tickets 
• No Cashback on spends 
• No Complimentary Airport Lounge access

Pros

• 8 complimentary (2 visits per quarter) lounge access at railway stations and get Rs. 5,000 cancellation protection in case a train is cancelled at the last minute
• Avail 2 Reward Points per Rs. 200 spent on booking flights, hotels and cruises from the IRCTC website or App
• Welcome benefits

Cons

• No dining or movie benefits
• No golf benefits
• No international/domestic airport lounge access