Best for AC class rail ticket bookings - at IRCTC

IRCTC BoB Rupay Credit Card

Our Rating 3.75
Top Reasons to Choose
10.50%
Benefit on AC rail ticket bookings on IRCTC – in non-peak season (between 15th Jan – 31st Mar, and 15th July – 15th Sep)
4.50%
Benefit on AC rail ticket bookings on IRCTC – in peak season (between 1st April – 14th July, and 16th Sep – 14th Jan)
✔︎
Complimentary railway lounge access – 1 per quarter
✔︎
1% transaction charges waiver on railway ticket bookings on IRCTC
Annual Fee

₹350

Minimum Income

Salaried : ₹3.60 lakhs per year || Self-employed : ₹4.80 lakhs per year

Annual Fee Offers
  • Welcome offer : 1000 reward points worth ₹250, when you do a credit card transaction of ₹1000 or more within 45 days of card issuance.

BEST FOR RAILWAY TICKET BOOKINGS - AT IRCTC

IRCTC HDFC Bank Credit Card

Our Rating 4.0
Top Reasons to Choose
10%
Benefit on railway ticket bookings
✔︎
Quarterly milestone benefit : Gift voucher worth ₹500, on spending ₹30,000 on your card in a quarter
✔︎
Complimentary access to railway lounges in India – 2 per quarter
✔︎
1% transaction charges waiver – on IRCTC ticketing website and Rail Connect App
Annual Fee

₹500

Minimum Income

Salaried : ₹25,000 per month || Self-employed : ₹6 lakhs per year

Annual Fee Offers
  • Welcome offer : Gift voucher worth ₹500, on card activation within 30 days of card issuance
  • Renewal fee offer : Annual fee is not charged from the 2nd year onwards , if you spend ₹1.50 lakhs or more in the previous year

BEST FOR BOOKING AC CLASS RAIL TICKETS

IRCTC Rupay SBI card

Our Rating 3.75
Top Reasons to Choose
10.80%
Benefit on IRCTC AC rail tickets - for travel dates between 15th Jan – 31st Mar, and 15th July – 15th Sep
4.80%
Benefit on IRCTC AC rail tickets - for travel dates between 1st April – 14th July, and 16th Sep – 14th Jan
✔︎
Complimentary railway lounge access – 1 time per quarter
✔︎
1% transaction charges waiver – on railway ticket bookings on www.irctc.co.in
Annual Fee

₹300

Minimum Income

Not specified

Annual Fee Offers
  • Welcome offer : 350 reward points worth ₹350, when you do a single card transaction of ₹500 or more within 45 days of card issuance.

BEST FOR RAILWAY BOOKINGS

IRCTC SBI Card Premier

Our Rating 3.75
Top Reasons to Choose
10.80%
Benefit on AC class rail ticket bookings on IRCTC – in non-peak season (15th Jan – 31st Mar, and 15th July – 15th Sep)
4.80%
Benefit on AC class rail ticket bookings on IRCTC – in peak season (1st April – 14th July, and 16th Sep – 14th Jan)
5%
Benefit on air ticket purchases on IRCTC || e-catering purchases on IRCTC
✔︎
Upto 7.50% additional benefit on travel spends (milestone program)
✔︎
Complimentary railway lounge access – 2 times per quarter
Annual Fee

₹1499

Minimum Income

Not specified

Annual Fee Offers
  • Welcome offer : 1500 Reward Points equivalent to ₹1500
  • Renewal fee offer : Annual fee not charged from the 2nd year onwards at ₹2 lakh yearly card spend

BEST FOR FREQUENT PAYTM USERS

Paytm HDFC Bank Select Credit Card 

Our Rating 3.75
Top Reasons to Choose
5%
Cashback on various spends at Paytm – Prepaid recharges || Utility bill payments || Travel || Movie tickets || Mini App
3%
Cashback at select partners – Swiggy || AJIO || Big Basket || Uber
✔︎
Milestone Benefit : Additional benefit of upto 1% , on achieving quarterly card spend target of ₹50,000
✔︎
Complimentary domestic airport lounge access – 2 per quarter
Annual Fee

₹1000

Minimum Income

Not specified

Annual Fee Offers
  • Welcome offer : First year annual fee not charged at ₹50,000 card spend, within 90 days of card issuance || Complimentary Paytm First membership
  • Renewal fee offer : Annual fee is not charged from the 2nd year onwards, if you spend ₹1.50 lakhs or more in the previous year

BEST FOR PAYTM SPENDS

Paytm SBI Card SELECT Credit Card

Our Rating 4.0
Top Reasons to Choose
5%
Cashback on 3 types of Paytm spends - travel , Paytm mall & movie tickets
2%
Cashback on all other Paytm spends
Upto 0.6%
Additional benefit, based on annual card spend of ₹4 lakhs, and ₹6 lakhs (milestone benefits)
✔︎
Complimentary access to airport lounges in India - 1 time per quarter
Annual Fee

₹500

Minimum Income

Not specified

Annual Fee Offers
  • Welcome offer : Welcome offer of more than ₹1499
  • Renewal offer : Complimentary Paytm First membership at ₹1 lakh annual card spend. Renewal fee waived off at ₹2 lakh annual card spend.

TRAVEL CARD - COBRANDED CARD WITH IXIGO

ixigo AU Credit Card

Our Rating 4.0
Top Reasons to Choose
✔︎
10% discount (upto ₹1000) on flight bookings on ixigo - once per month
✔︎
10% discount (upto ₹1000) on hotel bookings on ixigo - once per month
✔︎
10% discount (upto ₹300) on bus bookings on ixigo - once per month
2.50%
Benefit on train bookings, on ixigo
✔︎
Complimentary access to international airport lounges - once per year
✔︎
Complimentary access to domestic airport & railway lounges - 16 times per year
✔︎
No fee (forex markup) on international transactions
Annual Fee

₹999

Minimum Income

Not specified

Annual Fee Offers
  • Welcome offer : Joining fee waived at ₹1000 card spend, within 30 days of card issuance
  • Renewal offer : Annual fee not charged from the 2nd year onwards, if you spend ₹1 lakh or more in the previous year