IRCTC HDFC Bank Credit Card vs HDFC Bank Regalia Gold Credit Card

Joining Fees

₹500

₹2,500

Editor's Rating

3.7

4.25

Key Features

  • 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

* Get Rs. 1,500 worth vouchers on quarterly spends of Rs. 1.5 lakh
* Get Rs. 5,000 worth flight vouchers on annual spends of Rs. 5 lakh and an additional voucher of Rs. 5000 on spends of Rs. 7.5 lakhs
* Avail 5X Reward Points on spends at Marks & Spencer, Myntra, Nykaa & Reliance Digital: Earn 20 Reward Points on every Rs.150  retail spends at Marks & Spencer, Myntra, Reliance Digital, Nykaa
* Earn 4 Reward Points on every Rs. 150 spent on retail spends including Insurance, Utilities and Education
* Exclusive 24/7 Concierge Services
* Avail 12 complimentary access both at domestic and international terminals
* Using Priority Pass, cardholder and an add-on member can together avail up to 6 Complimentary Lounge Access per calendar year, outside India
* Enjoy great dining benefits with the Good Food Trail program: Up to 20% savings on all restaurant bill payments via Swiggy Dineout. Offer inclusive of Restaurant and Swiggy Discount. Offer valid only on payments done via the Swiggy App
* Get Rs. 1,500 worth vouchers from Marriott, Myntra, Marks & Spencer or Reliance Digital when you spend Rs. 1.5 Lakhs in every calendar quarter
* In an anniversary year (12 billing cycles), spend Rs. 4 Lakhs to get Renewal Fee waived for next renewal year
* You can convert big spends into EMI after purchase
* HDFC Bank Regalia Gold Credit Card is enabled for contactless payments
* Accidental air death cover worth Rs. 1 Crore
* Emergency overseas hospitalization cover up to Rs. 15 lakhs
* Credit Liability cover up to Rs. 9 Lakhs  
* Zero Lost card liability

Editor's Review

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

Pros

* Enjoy Revolving Credit on HDFC Bank Regalia Gold Credit Card at nominal interest rate
* Get Rs. 5,000 worth flight vouchers when spending Rs. 5 Lakhs in an anniversary year 
* Avail additional Rs. 5,000 worth flight vouchers when spending Rs. 7.5 Lakhs in an anniversary year 

Cons

* No Golf benefits
* There is a capping on grocery purchase
* Rewards are in form of vouchers


More comparisions with IRCTC HDFC Bank Credit Card

More comparisions with HDFC Bank Regalia Gold Credit Card

Downloads