Kotak Cashback Plus Credit Card vs HDFC IRCTC Credit Card
Detailed side-by-side comparison to help you pick the right card for your needs.
Side-by-Side Comparison
Annual Fee
₹499 Winner
₹500
Joining Fee
₹499 Winner
₹500
Fee Waiver
Waived on 2L spend
Waived on 1.5L spend
Cashback Rate
—
—
Reward Rate
1.5% cashback on all spends
5 rewards on IRCTC, 1% on others
Lounge Access
No
8 executive lounge visits
Welcome Bonus
—
—
Min. Income
₹30,000/mo
₹25,000/mo Winner
Credit Score
700+
700+
Best For
Simple spenders
Frequent train travelers
Kotak Cashback Plus Credit Card
What we love
- Simple unlimited cashback
- Wide acceptance
- No caps
Keep in mind
- Annual fee
HDFC IRCTC Credit Card
What we love
- IRCTC cashback
- Train lounge access
- Fuel waiver
Keep in mind
- Specific to trains
Frequently Asked Questions
Which is better: Kotak Cashback Plus Credit Card or HDFC IRCTC Credit Card?
Both cards are equally competitive across fees, cashback, and eligibility. Choose Kotak Cashback Plus Credit Card if you prefer simple spenders, or HDFC IRCTC Credit Card if you prefer frequent train travelers.
What is the annual fee difference?
Kotak Cashback Plus Credit Card has an annual fee of ₹499 (Waived on 2L spend), while HDFC IRCTC Credit Card costs ₹500 (Waived on 1.5L 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.