IRCTC HDFC Bank Credit Card vs HDFC Doctor’s Superia 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

• Avail 3 Reward Points for every Rs. 150 you spend. Accumulate Reward Points and redeem them for air miles on more than 20 international airlines or on any major domestic airline. You can also redeem your Reward Points for exciting gifts from an exclusive rewards catalogue, at the applicable redemption rate.
• Enjoy 50% more reward points on dinner spends.
• Doctor's Superia Credit Card provides protection worth up to Rs. 20 Lakh against costs arising due to professional negligence.
• Get first year fee reversed if you spend Rs. 15,000 in first 90 days of card set-up date and renewal fee reversed if you spend Rs. 1,00,000 in a year prior to the renewal date.

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

• Renewal Benefit: 1000 reward points
• Any One Accident: Rs 4 Lakh & Deductible: Rs 25,000 for each & every claim
• Reward points validity: Reward points are valid only for 2 years from the date of accumulation.

Cons

• No golf/coaching sessions
• No complimentary Airport Lounge access