Irctc Hdfc Bank Credit Card vs Kotak Mojo Rupay Platinum Credit Card: Which is Better in 2026?
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The Irctc Hdfc Bank Credit Card and Kotak Mojo Rupay Platinum Credit Card cater to different user needs. While the former focuses on travel rewards specifically for IRCTC transactions, the latter offers a more general rewards structure with higher points for online spending.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
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| Feature | Irctc Hdfc Bank Credit Card | Kotak Mojo Rupay Platinum Credit Card |
|---|---|---|
| Bank | HDFC Bank | Kotak Mahindra Bank |
| Network | Rupay | Rupay |
| Joining fee | Joining Fee of Rs.500 | Joining Fee of Rs.1000 |
| Annual / renewal fee | Renewal Fee of Rs.500 | Annual Fee of Rs.1000 |
| Annual fee waiver | Spend Rs.1.5 Lakhs For Renewal Fee Waiver | Spend Rs.30000 For Joining Fees Waiver |
| Reward rate (headline) | Earn 1 Reward Points per Rs.100 | Earn 2.5 Mojo Points on every Rs.100 on Online |
| Lounge — domestic | 8 Complimentary IRCTC Executive Lounges | Enjoy 8 Complimentary Airport Lounge Access Per Year |
| Welcome benefit | Welcome Gift Voucher Rs.500 on Card Activation | — |
| Milestone benefit | — | Earn 2500 Mojo Points Every Quarter on Spending Rs.75000 |
| Foreign currency markup | 3.50% - Foreign Currency Transactions | 3.5% - Foreign Currency Transactions |
Which is better for rewards?
For rewards, the Kotak Mojo Rupay Platinum Credit Card is superior as it offers 2.5 Mojo Points on online spending compared to the Irctc Hdfc Bank Credit Card's 1 Reward Point per Rs.100. Additionally, the Mojo card provides a structured milestone benefit, allowing users to earn 2500 points quarterly with a spend of Rs.75,000. This makes it more appealing for those who frequently shop online.
Which is better for travel?
The Irctc Hdfc Bank Credit Card is better suited for travel enthusiasts, particularly those who frequently book train tickets. It offers 5 Reward Points for every Rs.100 spent on IRCTC, along with a straightforward redemption rate of 1 Reward Point equating to Rs.1 against train tickets. This targeted benefit can significantly enhance travel experiences for regular IRCTC users.
Which has lower effective cost?
In terms of effective cost, the Kotak Mojo Rupay Platinum Credit Card has a higher joining and renewal fee of Rs.1000, but it offers a fee waiver after spending Rs.30,000. The Irctc Hdfc Bank Credit Card, with a lower fee of Rs.500 and a similar waiver condition, may be more appealing for budget-conscious users. Therefore, the Irctc card has a slight edge in terms of overall cost-effectiveness.
Who should pick Irctc Hdfc Bank Credit Card?
Consider Irctc Hdfc Bank Credit Card if you are a frequent traveler using IRCTC services, as it provides substantial rewards for train ticket bookings and a lower fee structure. The complimentary lounge access at IRCTC Executive Lounges can also enhance your travel experience.
Who should pick Kotak Mojo Rupay Platinum Credit Card?
Consider Kotak Mojo Rupay Platinum Credit Card if you primarily shop online and want to maximize your rewards on those purchases. The higher earning rate on online transactions and the potential for milestone rewards make it a strong choice for regular online shoppers.
Frequently Asked Questions
The Irctc Hdfc Bank Credit Card has a joining fee of Rs.500, while the Kotak Mojo Rupay Platinum Credit Card has a joining fee of Rs.1000.
Yes, both cards offer a fee waiver; the Irctc Hdfc Bank Credit Card waives the renewal fee after spending Rs.1.5 Lakhs, while the Kotak Mojo Rupay Platinum Credit Card waives the joining fee after spending Rs.30,000.
Both cards have a forex markup of 3.5% for foreign currency transactions.
Yes, the Irctc Hdfc Bank Credit Card offers 8 complimentary IRCTC Executive Lounge accesses, while the Kotak Mojo Rupay Platinum Credit Card provides 8 complimentary airport lounge accesses per year.