DBS Takashimaya Visa Card vs IRCTC HDFC Bank Credit Card: fees, rewards and APR compared - DebitCue Skip to content
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DBS Takashimaya Visa Card vs IRCTC HDFC Bank Credit Card

Compare DBS Takashimaya Visa Card and IRCTC HDFC Bank Credit Card side by side: fees, rewards, APR, and perks.

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Cells with a check mark are the stronger value in that row. Ties stay unmarked.

DBS Takashimaya Visa Card versus IRCTC HDFC Bank Credit Card compared by attribute
Feature DBS Takashimaya Visa Card IRCTC HDFC Bank Credit Card
Card fee $196.2 SGD/yr (≈ $150) ₹500 INR/yr (≈ $6)
Purchase APR (from) 27.8% 45%
Interest-free period 25 days 50 days
Foreign transaction fee 3.25% 3.5%
Rewards 5% voucher rebates at Takashimaya Department Store; 1% at Takashimaya Shopping Centre; 0.5% on non-Takashimaya spend (with S$2,000/quarter outside 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 Takashimaya Visa Card 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.
Full review DBS Takashimaya Visa Card Full review IRCTC HDFC Bank Credit Card

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