Compare IRCTC HDFC Bank Credit Card vs HDFC Bank EasyEMI Credit Card

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

Milestone Benefit: Spend Rs. 20000 and more in the first 90 days to get first year membership fee waived off
Launch Offer: Get Rs. 1000 worth gift vouchers on spends of Rs. 1,00,000 and above in each calendar quarter, for the first year only
Contactless payment enabled
Get 5% CashBack on Amazon, Flipkart, Flight and Hotel bookings on shopping via PayZapp and SmartBuy
Get 2.5% CashBack on all online spends
Get 1% CashBack on all offline spends and Wallet reloads
All transactions of Rs. 10,000 and more will be auto converted to EasyEMI for 9 months. Do note that auto conversion will not be applicable on gold, jewellery, and fuel transactions, and the conversion will be processed after 5 business days from the date of transaction
Zero Lost card liability
Up to 50 days of interest free period from the date of purchase
Revolving Credit is available at a nominal interest rate
Get 1% fuel surcharge waiver at fuel stations in India on minimum transaction of Rs. 400

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