IRCTC HDFC Bank vs IRCTC SBI Card Premier
IRCTC HDFC Bank has the lower annual fee (₹500 against ₹1,499). IRCTC HDFC Bank waives its fee on ₹1,50,000 of spend a year; IRCTC SBI Card Premier waives its fee on ₹2,00,000 of spend a year. Which one earns more depends on where you spend. The Saifu app works it out on your own spends, on your phone.
| Feature | IRCTC HDFC BankHDFC3 wins · ahead | IRCTC SBI Card PremierSBI Card0 wins |
|---|---|---|
| Annual fee | Lower₹500 | ₹1,499 |
| Joining fee | Lower₹500 | ₹1,499 |
| Fee waiver | LowerWaived on ₹1,50,000 spend a year | Waived on ₹2,00,000 spend a year |
| Rewards | 5X reward points on ticket booking via IRCTC app/website; additional 5% cashback on IRCTC spends via SmartBuy | 10% back as Reward Points on railway ticket purchases |
| Airport lounges | None listed | None listed |
| Forex markup | 3.5% plus GST | 3.5% plus GST |
| Points | Reward Points, about ₹1 a point | IRCTC SBI Card Reward Points, about ₹1 a point |
| Published minimum income and age | Salaried ₹1,44,000 a year, self-employed ₹6,00,000 a year, age 21 to 60 | Not published |
| Network | Visa | Visa |
| Apply | Bank page | Bank page |
Badges mark the lower fee, waiver spend or markup, and more lounge visits. Rewards are not scored here because they depend on where you spend. Affiliate link, costs you nothing extra, we may earn a commission, never changes how cards are ranked. Figures come from each bank's page and can change; check before you apply.
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