Secondary credit card from HDFC bank

[17ysaurabh]

I am thinking of getting an HDFC IRCTC Credit card to get 10% cashback on my train tickets.
I already have HDFC Millenia CC but it gives only 5% cashback.
I'm eligible to get this credit card. However, it comes up with a joining & renewal fee of Rs. 500.

Questions:

• Is it worth it?
• Will I have a shared limit for the two cards?
• Assuming, I use Rs. 70k in HDFC IRCTC CC and Rs. 90k in HDFC Millenia CC, will the shared usage be considered for the renewal fee waiver for both cards? Do I have to spend till the specified limit from both cards?

 

[Skylar]

Assuming, I use Rs. 70k in HDFC IRCTC CC and Rs. 90k in HDFC Millenia CC, will the shared usage be considered for the renewal fee waiver for both cards? Do I have to spend till the specified limit from both cards?

I'm not sure if floater card spend is calculated for fee reversal but floater card spend got me spend based rewards of core card.

 

[Skylar]

I already have HDFC Millenia CC but it gives only 5% cashback.

Have you tried Smart Buy portal?
you would get extra CB there not sure how much with Millenia card

 

[17ysaurabh]

Have you tried Smart Buy portal?
you would get extra CB there not sure how much with Millenia card

Yes, on the Smart Buy platform, I get 5% cashback on HDFC Millenia CC.
This is the extra cashback for IRCTC.