IRCTC HDFC Bank vs SBI IRCTC
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
IRCTC HDFC Bank Credit Card wins 3 of 8 dimensions with a CardTrail Score of 8.2/10 vs 7.5/10.
| Feature | IRCTC HDFC Bank | SBI IRCTC |
|---|---|---|
| CardTrail Score | 8.2/10 | 7.5/10 |
| Annual Fee | ₹500 | ₹500 |
| Base Reward Rate | 1% | 0.5% |
| Max Reward Rate | 5% | 5% |
| Forex Markup | 3.5% | 3.5% |
| Domestic Lounges | 8 | 4 |
| International Lounges | 0 | 0 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa | Visa |
When to Choose IRCTC HDFC Bank
- You can meet the fee waiver condition: Renewal fee waived on spends of Rs.1.5 lakhs or more in the last anniversary year
- Airport lounge access matters — 8 domestic visits
- Your primary spend is: train-travel, railways
When to Choose SBI IRCTC
- You can meet the fee waiver condition: Spend ₹50K/year
- Your primary spend is: travel, railways
Annual Fee Value Analysis
To break even on IRCTC HDFC Bank's ₹500 fee at 1% rewards, spend ₹4,167/month.
To break even on SBI IRCTC's ₹500 fee at 0.5% rewards, spend ₹8,333/month.