DBS Esso Mastercard
Cash back
DBS Esso Mastercard
DBS Bank - Mastercard - Credit card
3.8
3.8 out of 5
7.6/10
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Head-to-head
DBS Esso Mastercard vs IRCTC HDFC Bank Credit Card
Compare DBS Esso Mastercard and IRCTC HDFC Bank Credit Card side by side: fees, rewards, APR, and perks.
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IRCTC HDFC Bank Credit Card
Points
IRCTC HDFC Bank Credit Card
HDFC Bank - Visa - Credit card
3.9
3.9 out of 5
7.8/10
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Compared side by side
Cells with a check mark are the stronger value in that row. Ties stay unmarked.
| Feature | DBS Esso Mastercard | IRCTC HDFC Bank Credit Card |
|---|---|---|
| Card fee | $196.2 SGD/yr (≈ $150) | ₹500 INR/yr (≈ $6) |
| Purchase APR (from) | 26.8% | 45% |
| Interest-free period | 25 days | 50 days |
| Foreign transaction fee | 3.25% | 3.5% |
| Rewards | Up to 21.6% fuel savings at Esso (18% instant discount + 3.6% cashback on min. S$180 net fuel spend); 0.4% cashback on all other local and overseas spend | 5 Reward Points per ₹100 on IRCTC website/Rail Connect app; 1 Reward Point per ₹100 on all other spends; 5% cashback on IRCTC tickets via HDFC SmartBuy; 1 RP = ₹1 |
| Installments | - | - |
| No card fee | - | - |
| No foreign transaction fee | - | - |
| Welcome bonus | - | |
| Airport lounge access | - | |
| Travel insurance | - | - |
| Apple Pay / Google Pay | - |
Which is right for you
Pick by how you spend
- Choose the DBS Esso Mastercard if its checked rows above line up with how you spend most.
- Choose the IRCTC HDFC Bank Credit Card if it wins on the features that matter most to you.
- Still unsure? Read each full review below, then apply on the issuer's secure site.
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