Craydit Logo

HDFC IRCTC vs Axis SuperMoney

Compare HDFC IRCTC vs Axis SuperMoney across fees, rewards, cashback, lounge access, and eligibility to shortlist the best fit.

Comparison cockpit

Futuristic side-by-side card intelligence

HDFC IRCTC leads on reward rate, while Axis SuperMoney has the lowest annual fee.

Card 1

HDFC IRCTC

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.3.4

Card 2

Axis SuperMoney

Monthly spenders who want visible cashback without chasing complex reward conversions.5.2
HDFC IRCTC Credit Card
Balanced value3.4

hdfc / VISA

HDFC IRCTC

Annual

₹500

Return

2%

Lounges

2

Forex

3.5%

Card summary
  • HDFC IRCTC leans travel and lifestyle with ₹500 annual fee, 2% headline return potential, and 2 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹500 annual fee.
  • 2% reward rate can outperform flat cashback for loyal users.
  • 2 lounge access adds travel utility.
Cons
  • 3.5% forex markup can reduce overseas value.
  • Eligibility still depends on bank policy and credit history.
  • Travel value depends on actually using lounge and trip perks.
Best for

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.

Value profile

Balanced fee-to-benefit setup for regular card users.

Full card details
Axis SuperMoney
No-fee value5.2

axis / RUPAY

Axis SuperMoney

Annual

₹0

Return

3%

Lounges

0

Forex

3.5%

Card summary
  • Axis SuperMoney leans cashback-first with ₹0 annual fee, 3% headline return potential, and 0 lounge access.
Pros
  • No annual fee improves first-year and renewal value.
  • 3% cashback keeps value easy to understand.
  • Simple everyday positioning without premium travel complexity.
Cons
  • 3.5% forex markup can reduce overseas value.
  • Eligibility still depends on bank policy and credit history.
  • Travel benefits are limited compared with premium cards.
Best for

Monthly spenders who want visible cashback without chasing complex reward conversions.

Value profile

Low ownership cost with upside from recurring spends.

Full card details
Metric
HDFC IRCTC
Axis SuperMoney
Fees
Annual fee
₹500
₹0
Joining fee
₹500
₹0
Rewards
Cashback rate
1%
3%
Reward rate
2%
1%
Travel
Forex markup
3.5%
3.5%
Domestic lounges
2
0
International lounges
0
0
Benefits
Fuel waiver
Yes
Yes
Dining
No
No
Movies
No
No
Eligibility
Minimum income
₹2,00,000
₹30,000

Top Credit Card Comparison Links

Compare more cards

Popular comparison pairs to continue exploring similar card matchups.

HDFC Regalia Gold vs HDFC IRCTCAxis Atlas vs HDFC IRCTCAU Zenith Plus vs HDFC IRCTCRBL Insignia vs HDFC IRCTCICICI Emirates Skywards Emerald vs HDFC IRCTCHDFC Tata Neu Infinity vs HDFC IRCTCAxis Flipkart vs HDFC IRCTCHDFC Millennia vs HDFC IRCTCKotak Myntra vs HDFC IRCTCHDFC Swiggy Ornge vs HDFC IRCTC