Compare IRCTC HDFC Bank Credit Card and IRCTC RBL Bank on annual fees, joining fees, rewards, benefits and important limitations.
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.
RBL Bank
5 points per ₹200 on IRCTC train bookings; 2 on IRCTC flights/hotels; 1 on other eligible purchases
Annual fee: ₹500 + GST
Joining fee: ₹500 + GST first-year membership fee
Network: RuPay / Mastercard
IRCTC RBL Bank is a paid card focused on travel benefits 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.