Do you hold any credit card that offers IRCTC discounts?
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Found good IRCTC Credit card hmmmm there is a catch

145°
Deal Lieutenant
DEEPANGEORGE

Hello Dimers,


Today lets find whats best for commoners IRCTC ticket and lounge access

1) I kinda look at 3 cards in SBI ecosystem itself for IRCTC bookings.... but literally not sure which is best

2) Any other bank / financial institution that offers good IRCTC credit cards??


So guys anyone have good IRCTC rewarding credit cards??

Do comment lets see how many has good ways to beat IRCTC service charges xD


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24 Comments  |  
11 Dimers
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Deal Baba Deal Baba
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Use UPI , no way to escape.

Just like no way to Book Window Seat and no way to Chose seat beside opposite Gender.

NO escape from IRCTC matrix.

Deal Lieutenant Deal Lieutenant
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hmmmm ya xDD hahahahah

but i am seeking the lounge access of IRCTC smile hehehe so  thinking how to get that from a good card:)

btw how UPI?? is UPI payment gets more profits in IRCTC website?
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Wingman Wingman
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For lounge , idfc millenia (ltf) or any other cc

4 complimentary Railway lounge visits per quarter

Complimentary Roadside Assistance worth ₹1,399

Deal Lieutenant Deal Lieutenant
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interesting:) looks like a good bargain:)

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Deal Subedar Deal Subedar
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Don't have irctc cc as not a frequent rail traveller, but used to book via hdfc smartbuy.

Deal Lieutenant Deal Lieutenant
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ah so hdfc Cards are good for IRCTC as well:) interesting:))

good to know:)
Deal Lieutenant Deal Lieutenant
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For now the status is 

1) IDFC First Millennia for IRCTC Lounge access (courtesy @hijacker)

2) HDFC cards are good for IRCTC booking via Smartbuy (courtesy @10ven)

Thanks for your valuable inputs:) 



if anyone found any better options do keep commenting FOR WELFARE OF ALL WHO READS THIS POST

Benevolent Benevolent
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After finding your thread, IDFC gonna introduce a co-branded card with IRCTC tomorrow. 😛

Deal Lieutenant Deal Lieutenant
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nooo already 


1) cred cash trapped me with IDFC (soon this personal loan of IDFC gonna get over this month)

2) ola money is trapping me now i am escaping as it as 1.18% for using any transaction

3) flipkart tried to trap me with idfc.. but i escaped seeing their no good charges and and worst flipkart already was not in my interest

4) IDFC WOW card (but somewhat better)



buttt still about cobranded with IDFC+IRCTC noooooooo dont want that already that dead combo is there with IDFC First Millennia so lets see



Side note:

5) recently IDFC first earn card tried to lure me.. but i escaped again after seeing 499+GST for a dumb secured FD card 

Deal Subedar Deal Subedar
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SBI IRCTC Cards have tricky reward & redemption system, check

https://contents.irctc.co.in/en/AboutIRCTCLoyal...

Reward Points will be transferred to cardholder’s IRCTC Loyalty A/c but

You necessarily must be one of the passengers on the ticket to earn SBI Card Travel Reward
Points.

4 SBI Card Travel Reward Points for every Rs. 100
spent (Valid on tickets with Date of Travel between April 1 - July 14 and September 16 - January 14)

10 SBI Card Travel Reward Points for every Rs. 100
spent (Valid on tickets with Date of Travel between January 15 - March 31 and July 15 - September 15)


Many ICICI (MMT Signature, Coral & above gemstone) & AU (Zenith, Altura, Vetta etc.) credit cards give railway lounge access

Some Kotak (Zen Signature, League Platinum, etc.) Credit Cards give Railway Surcharge Waiver up to ₹500 in an Anniversary year

Deal Lieutenant Deal Lieutenant
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ah damn tricky SBI IRCTC cards with some membership program.. i still dont know how to renew this membership they say in T&C what is this membership do we need to buy it??

ah tricky tricky .... ahhh



mhm ICICI , Au and Kotak ah lots which is better among these as per your opinion?
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Deal Newbie Deal Newbie
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I recently booked about 5 tickets.

I booked from Amazon (There was an offer of no PG Charges for first ever booking and during certain sale dates) by using my AGV bought via SBI CashBack Card.

Another option is to use HDFC Smartbuy and HDFC CC/DC. They sometimes run offers over and above the normal 5% cashback.

For Lounge, Use IDFC/AU. Though do note that the lounge list is very small for now and even the IRCTC lounges are a bit crowded with a degrade in the food quality and the services.

Deal Lieutenant Deal Lieutenant
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oh good to know that Amazon pay voucher is useful to buy train tickets wow nice to know

Comrade Comrade
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plus1

Comrade Comrade
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First time to know that such irctc card also exist..

Deal Cadet Deal Cadet
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If you looking after to save some bucks, Use Pineperk rupay cards, first they charge surchage and then reverse it.

Deal Lieutenant Deal Lieutenant
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oh pineperk cards? you mean prepaid card?? oh oh thats news smile))


thanks for the valuable info:)
Deal Cadet Deal Cadet
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I think IRCTC HDFC card has no such hidden terms (card holder as traveller, only AC tickets etc) as SBI IRCTC Card. With IRCTC HDFC, we get 5%+5% on smartbuy (- surcharge which is reversed).

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