HDFC IRCTC Credit Card vs SBI Cashback Credit Card
Detailed side-by-side comparison to help you pick the right card for your needs.
SBI Cashback Credit Card wins 3 out of 4 comparison categories.
HDFC Bank
HDFC IRCTC Credit Card💰 Earn ₹400 cashback via EarnKaro
Side-by-Side Comparison
HDFC IRCTC Credit Card
What we love
- IRCTC cashback
- Train lounge access
- Fuel waiver
Keep in mind
- Specific to trains
SBI Cashback Credit Card
What we love
- 5% flat online cashback
- No merchant restrictions
- Auto-credit
Keep in mind
- No lounge
- 1% offline rate
Frequently Asked Questions
Which is better: HDFC IRCTC Credit Card or SBI Cashback Credit Card?
Based on our analysis, SBI Cashback Credit Card is the better choice with advantages in 3 out of 4 comparison categories including fees and rewards. However, HDFC IRCTC Credit Card may be better if your spending aligns with its specific benefits like frequent train travelers.
What is the annual fee difference?
HDFC IRCTC Credit Card has an annual fee of ₹500 (Waived on 1.5L spend), while SBI Cashback Credit Card costs ₹999 (Waived on 2L spend) per year.
Can I apply for both cards?
Yes! There's no restriction on holding multiple credit cards from different banks. Many savvy users hold both types to maximize rewards across different spending categories.