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HDFC IRCTC vs SBI Cashback Card

Compare HDFC IRCTC vs SBI Cashback Card across fees, rewards, cashback, lounge access, and eligibility to shortlist the best fit.

Comparison cockpit

Futuristic side-by-side card intelligence

HDFC IRCTC has the strongest mix of rewards and low fees in this comparison.

Card 1

HDFC IRCTC

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

Card 2

SBI Cashback Card

Monthly spenders who want visible cashback without chasing complex reward conversions.6.0
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
SBI Cashback Card
Balanced value6.0

sbi / VISA

SBI Cashback Card

Annual

₹999

Return

5%

Lounges

0

Forex

3.5%

Card summary
  • SBI Cashback Card leans cashback-first with ₹999 annual fee, 5% headline return potential, and 0 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹999 annual fee.
  • 5% 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

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

Full card details
Metric
HDFC IRCTC
SBI Cashback Card
Fees
Annual fee
₹500
₹999
Joining fee
₹500
₹999
Rewards
Cashback rate
1%
5%
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
₹5,00,000

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