Review published fees, rewards, caps, eligibility and benefits side by side. Return to the catalogue to change your selection.
Compare every selected card in one table.
Swipe sideways to see all 2 cards.
| Feature | HDFC Bank HDFC Bank RuPay IRCTC Credit Card | SBI Card IRCTC SBI Card RuPay |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | HDFC Bank | SBI Card |
| Network | RuPay | RuPay |
| Annual fee | ₹500 + GST per year | ₹500 + GST per year |
| Annual fee waiver | At ₹1,50,000 annual spending | No waiver recorded |
| Base reward rate | 1% | 0.8% |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | SmartBuy train cashback: ₹1,000/month · SmartBuy train cashback: ₹12,000/calendar year | No general cap recorded |
| RuPay credit card on UPI | Eligible for merchant UPI payments | Eligible for merchant UPI payments |
| Airport lounge access | No complimentary airport lounge access recorded | No complimentary airport lounge access recorded |
| Forex markup | 3.5% | 3.5% |
| Monthly income requirement | Approx. ₹12,000/month salaried · ₹50,000/month self-employed | Not listed |
| Terms verified | 13 Sept 2026 | 23 Sept 2026 |
| Best suited to | Frequent train travelers who book through IRCTC and can redeem points against future rail tickets. | Frequent Indian Railways travellers who want UPI capability on the same card. |
| Main trade-off | The 5-point rail rate is capped monthly and yearly, SmartBuy cashback has separate caps, points can fund at most 70% of a rail ticket, and each redemption carries the published ₹99 plus GST fee. | The lounge benefit is for participating railway lounges, not airports. The IRCTC rate requires the cardholder to travel on the eligible booking, and cancelled journeys do not qualify. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
