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
Apply now
Head-to-head
IRCTC HDFC Bank Credit Card vs HDFC Bank Regalia Gold Credit Card
Compare IRCTC HDFC Bank Credit Card and HDFC Bank Regalia Gold Credit Card side by side: fees, rewards, APR, and perks.
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HDFC Bank Regalia Gold Credit Card
Points
HDFC Bank Regalia Gold Credit Card
HDFC Bank - Visa - Credit card
4.3
4.3 out of 5
8.6/10
Apply now
Compared side by side
Cells with a check mark are the stronger value in that row. Ties stay unmarked.
| Feature | IRCTC HDFC Bank Credit Card | HDFC Bank Regalia Gold Credit Card |
|---|---|---|
| Card fee | ₹500 INR/yr (≈ $6) | ₹2,500 INR/yr (≈ $30) |
| Purchase APR (from) | 45% | 45% |
| Interest-free period | 50 days | 50 days |
| Foreign transaction fee | 3.5% | 2% |
| Rewards | 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 | 5 Reward Points per ₹200 on retail; 25 RP per ₹200 at Myntra, M&S, Nykaa, Reliance Digital; 1 RP = ₹0.50 for flights/hotels via SmartBuy |
| 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 IRCTC HDFC Bank Credit Card if its checked rows above line up with how you spend most.
- Choose the HDFC Bank Regalia Gold 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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