IndusInd Bank Platinum Master Credit Card vs IRCTC HDFC Bank Credit Card

• 1.5 reward points for every Rs. 150 spent
• Comprehensive insurance benefits
• Fuel surcharge waiver
• Buy 1 Get 1 free on movie tickets
• Redemption options: IndusMoments, Airline miles on InterMiles, Airline miles on Vistara, Cash Credit
• Platinum Credit Card Privileges: 

1. Priority Pass Membership for you and your partner
2. Complimentary golf session once a quarter at any of the select prestigious clubs
3. Golf lessons and hole-in-one insurance
4. Movie tickets at theatres twice a month (2 x 200 x 12)
5. Savings on fuel surcharge
6. The annual value of Reward Points on an average spend of Rs. 30,000 per month (300 points per month)
7. IndusInd Bank Platinum Card welcomes you with great lifestyle offerings from EazyDiner, Montblanc, Luxe Gift Card, Collection Of Intimate Luxury Hotels, Amazon, Flipkart, Big Bazaar, ZEE5, Swiggy, Zomato Gold, Apollo Pharmacy, Biba Online, Ola Cabs, Uber, BATA, Vero Moda, ALDO, William Penn, Titan, Pantaloons, Hidesign, Woodland, United Colors of Benetton, Yatra, Charles & Keith, Louis Philippe, Hush Puppies, Urban Ladder.

• BookMyShow Offer: Buy one movie ticket and get the other one absolutely free. Avail up to two free movie tickets in a month. Offer valid in all theatres registered with BookMyShow across all major cities. The price of the free ticket is capped at Rs. 200. 
• Sathyam Cinemas Offer: Buy one movie ticket and get the other one absolutely free. Avail of up to four free tickets in a month. Offer valid in Chennai only.
• With the Travel Plus program avail special waivers on lounge usage charges outside India.
• Travel insurance for: Lost baggage, Delayed baggage, Loss of passport, Lost ticket, and Missed connection
• Platinum Concierge service: A team of professionals are ready to assist you with hotel reservations, flight bookings and other lifestyle requirements. This is a complimentary service and is accessible from anywhere in the world. 
• Auto Assist
• Total Protect is a first-of-its-kind program that covers the cardholder for a sum up to the credit limit on your credit card and is available on add-on cards as well.
• Air Accident Coverage- Complimentary personal air accident insurance cover of up to Rs. 25 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

Pros

• Avail surcharge on petrol at various petrol pumps in India: 1% on fuel surcharge at any petrol pump within India.
• Air Accident Coverage
• Discounts on Shopping, Dining, Spa, Travel, and Lifestyle

Cons

• High Joining fee and annual fee
• Fees applicable for using Priority Pass Membership

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