Compare IRCTC BOBCARD and IRCTC HDFC Bank Credit Card on annual fees, joining fees, rewards, benefits and important limitations.
BOBCARD
Railway rewards and savings on eligible IRCTC bookings
Annual fee: ₹350 + GST
Joining fee: ₹500 + GST
Network: RuPay
IRCTC BOBCARD is a paid card focused on travel benefits, rail and reward points, charging ₹350 annually before GST.
HDFC Bank
Reward Points for eligible railway bookings and everyday purchases
Annual fee: ₹500 + GST (waived on ₹1.5 lakh eligible annual spend)
Joining fee: ₹500 + GST
Network: Issuer-selected variant
IRCTC HDFC Bank Credit Card is a paid card focused on travel benefits, rail and reward points, charging ₹500 annually before GST.
Facts were last checked 2026-10-11. Follow each card page to the linked issuer terms before applying.