IRCTC HDFC Bank Credit Card vs Paytm HDFC Bank Credit Card

Joining Fees

₹500

₹500

Editor's Rating

3.7

3.75

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
  • As a Milestone Benefit, avail up to Rs. 1200 cashback annually - 1% Cashback upon spending Rs.10,000 every month (Non-EMI, Non-Wallet and Non-Rental Spends)
  • The First Year Fee will get waived upon spending Rs. 30,000 (Non-EMI spends) within the first 90 days. The Renewal Year Fee will get waived upon spending Rs. 50,000 (Non-EMI spends) in the 12 months period. Monthly fee will get waived off on retail spends of Rs. 5000 in a month (Non-EMI spends)
  • Avail 3% Cashback on purchases on Paytm [Recharge + Utility + Movies + Mini App]
  • Avail 2% Cashback on all other Select Paytm Spends
  • Avail 1% Cashback on all other Retail Spends
  • Enjoy up to 50 days of interest-free period
  • Avail up to 4 complimentary add-on cards    
  • Zero Lost card liability 
  • Get 1% fuel surcharge waiver at fuel stations in India on transactions between Rs. 400 and Rs. Rs. 5,000
  • Enjoy up to 20% discount on partnered restaurants via Dineout

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

  • The card is most useful for those who use Paytm daily users of Paytm
  • Decent cashback and offers on spends made with Paytm
  • Enjoy up to 20% discount on partnered restaurants via Dineout

Cons

  • No airport lounge access
  • No rewards as such
  • The cashback obtained on transactions other than the eligible category is relatively low at 1%


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