Trains are like the country’s main heartbeat. They are the simplest and cheapest way to travel from one place to another.
Indian Railways has gotten better lately. But, as they add more things, the prices for tickets are also going up.
Today, we’ll talk about certain credit cards. These cards offer discounts that can help you save money on expensive tickets and also give you many benefits.
Let’s check out these cards available in the market.
Buying with cash or UPI doesn’t come with any special offers
If you use cash or UPI to buy train tickets, you won’t receive any special offers on the ticket payment.
But, if you use a credit card, you can book tickets without any extra payment and also enjoy different offers and discounts.
Nowadays, more folks like to use credit cards for buying tickets because they get cashback, rewards, and lounge access.
Additionally, due to bank schemes, they enjoy benefits on tickets.
According to credit card data released by RBI until September 2023, these cards are currently leading in offering the best deals for railway tickets.
IRCTC HDFC Bank Credit Card
IRCTC and HDFC Bank have joined together to create a card. With the IRCTC HDFC credit card, you can enjoy a nice discount when booking train tickets.
This discount comes in the form of reward points. When you use this card to book tickets, you earn 5 reward points for every Rs 100 spent.
To get these benefits, you need to book tickets through the railway app.
Additionally, you also receive a 5 percent cashback and a 1 percent discount on transactions.
If you spend Rs 1,50,000 every year, the annual fee of Rs 500 is also waived off.
IRCTC SBI Platinum Card
SBI, in partnership with IRCTC, offers a platinum card. If you spend over Rs 500 in the first 45 days, you receive 350 bonus activation points.
When booking railway tickets, you won’t have to pay a 1 percent transaction charge. Additionally, you can use the railway lounge.
IRCTC BOB RuPay Card
When you book tickets using the IRCTC BOB Rupay card on the website or app, you’ll earn 2 reward points for every Rs 100 spent. To enjoy this benefit, there’s an annual fee of Rs 350.
Additionally, if you spend Rs 1000 within the first 45 days, you’ll receive 1000 bonus points that you can easily use for other purchases.
Kotak Mahindra Bank
Kotak Mahindra Bank customers receive discounts on railway ticket bookings using the Kotak Royale Signature Credit Card. With this card, you can earn 4 reward points for every 1 rupee spent.
Additionally, customers enjoy a discount on railway surcharges. There is no joining fee for this card, but there is an annual fee of Rs 999.
