Irctc Hdfc Bank Credit Card vs Kotak Myntra Rupay Credit Card: Which is Better in 2026?
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The Irctc Hdfc Bank Credit Card and Kotak Myntra Rupay Credit Card offer distinct benefits catering to different user preferences. While the former focuses on travel-related rewards, the latter emphasizes cashback and shopping benefits.
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 Myntra Rupay Credit Card |
|---|---|---|
| Bank | HDFC Bank | Kotak Mahindra Bank |
| Network | Rupay | Rupay |
| Joining fee | Joining Fee of Rs.500 | Joining Fee of Rs.500 |
| Annual / renewal fee | Renewal Fee of Rs.500 | Annual Fee of Rs.500 |
| Annual fee waiver | Spend Rs.1.5 Lakhs For Renewal Fee Waiver | Spend Rs.2 Lakhs For Annual Fees Waiver |
| Reward rate (headline) | Earn 1 Reward Points per Rs.100 | — |
| Lounge — domestic | 8 Complimentary IRCTC Executive Lounges | Enjoy 4 Complimentary Airport Lounge Access Per Year |
| Welcome benefit | Welcome Gift Voucher Rs.500 on Card Activation | Get Myntra Voucher Worth Rs.500 on Activation |
| Foreign currency markup | 3.50% - Foreign Currency Transactions | 3.5% - Foreign Currency Transactions |
Which is better for rewards?
The Irctc Hdfc Bank Credit Card is better for rewards, particularly for those who frequently book train tickets through IRCTC, as it offers 5 Reward Points for every Rs.100 spent on IRCTC transactions. In contrast, the Kotak Myntra Rupay Credit Card does not provide specific reward points for general spending, although it does offer cashback on UPI transactions and select partners, which may appeal to users looking for cashback options.
Which is better for travel?
For travel benefits, the Irctc Hdfc Bank Credit Card stands out with its focus on train ticket rewards and complimentary access to IRCTC lounges. The Kotak Myntra Rupay Credit Card, while offering some travel-related cashback, does not have dedicated travel rewards or lounge access, making it less appealing for frequent travelers.
Which has lower effective cost?
Both cards have a joining fee and an annual fee of Rs.500, with the Irctc Hdfc Bank Credit Card requiring a spend of Rs.1.5 Lakhs for a fee waiver, while the Kotak Myntra Rupay Credit Card requires a higher spend of Rs.2 Lakhs. This makes the fee waiver complexity slightly more favorable for the Irctc card, although the difference is minimal.
Who should pick Irctc Hdfc Bank Credit Card?
Consider Irctc Hdfc Bank Credit Card if you are a frequent traveler using IRCTC for train bookings, as it maximizes rewards in that category and provides exclusive lounge access.
Who should pick Kotak Myntra Rupay Credit Card?
Consider Kotak Myntra Rupay Credit Card if you prefer cashback benefits and shop frequently at Myntra or other partner platforms, as it offers attractive cashback rates and a complimentary Myntra Insider membership.
Frequently Asked Questions
Both the Irctc Hdfc Bank Credit Card and Kotak Myntra Rupay Credit Card have a joining fee of Rs.500.
The Irctc Hdfc Bank Credit Card waives the renewal fee on spending Rs.1.5 Lakhs, while the Kotak Myntra Rupay Credit Card requires a spend of Rs.2 Lakhs for fee waiver.
Yes, the Irctc Hdfc Bank Credit Card offers 8 complimentary IRCTC Executive Lounge accesses, while the Kotak Myntra Rupay Credit Card provides 4 complimentary airport lounge accesses per year.
The Kotak Myntra Rupay Credit Card offers 1.25% cashback on UPI transactions and 5% cashback on spends at selected partners like PVR, Cleartrip, Urban Company, and Swiggy.