ANOTHER CHARGE IN SMARTBUY IRCTC

[PANK]

I recently book train ticket from Smartbuy portal and noticed new UI which looks good along with new charge
There is 1% + GST charges on credit card transaction but for now there are no charges on debit card upto a certain limit

 

[Harry1]

Has been since at least one year.

 

[PANK]

Has been since at least one year.

But I have book ticket on Smartbuy there is approx ₹17.7 change for sleeper ticket

But recently I saw extra 1% + GST on credit card

 

[Deleted member 5552]

I recently book train ticket from Smartbuy portal and noticed new UI which looks good along with new charge
There is 1% + GST charges on credit card transaction but for now there are no charges on debit card upto a certain limit

This is not new, whenever we use credit card on smartbuy to book train tickets, they charge 1% plus GST

 

[PANK]

This is not new, whenever we use credit card on smartbuy to book train tickets, they charge 1% plus GST

But i book ticket using my money back plus credit card and received
Credit Card ending xx for Rs 767.70 at SMARTBUY IRCTC on 12-01-2023
Ticket price was 750
There is no 1% + GST charge

 

[Deleted member 5552]

I used Money Back card 3 years, they will charge ticket amount and Irctc charge while booking ticket. 1% charge will be added after 2 days with the transaction amount. Kindly check the amount after two days of booking

 

[PANK]

I used Money Back card 3 years, they will charge ticket amount and Irctc charge while booking ticket. 1% charge will be added after 2 days with the transaction amount. Kindly check the amount after two days of booking

Ok
Thanks a lot for solving my doubt
Please let me know is there is any change on debit card as well
And if I use it for train ticket via Smartbuy 5 % back is there
If yes then how may days it will take to credit in account

 

[SiddharthR]

I used Money Back card 3 years, they will charge ticket amount and Irctc charge while booking ticket. 1% charge will be added after 2 days with the transaction amount. Kindly check the amount after two days of booking

Thanks for the info, I just checked for my last booking. I think they don't even mention while transacting...

 

[Deleted member 5552]

Ok
Thanks a lot for solving my doubt
Please let me know is there is any change on debit card as well
And if I use it for train ticket via Smartbuy 5 % back is there
If yes then how may days it will take to credit in account

I think no charge for debit card. But there was 1% charge for PayZapp card when I booked some year ago.

Usually credit card cashback for smartbuy transactions will be credited within 3 to 4 days

For debit card, it will take upto 90 days

 

[thanix]

there are 3 different costs while booking.

IRCTC convenience fee which is there for all bookings - direct on IRCTC or any other website. It is 15 + GST for Non AC and 30 + GST. Not applicable only on counter bookings.

Second is agent convenience fee which is now being charged by Amazon. Smartbuy or Redbus are not charging this yet. No such cost if you directly book on IRCTC but there won't be any offers

Third is payment gateway charges which is applied on credit cards (1% + GST) including HDFC Bank credit cards and most debit cards. Not levied on UPI and HDFC debit card upto 1 lakh.

 

[Deleted member 5552]

Thanks for the info, I just checked for my last booking. I think they don't even mention while transacting...

You can see it in payment page

 

[Deleted member 5552]

Ok
Thanks a lot for solving my doubt
Please let me know is there is any change on debit card as well
And if I use it for train ticket via Smartbuy 5 % back is there
If yes then how may days it will take to credit in account

This was my last booking on October month in AC Coach. Total fare including irctc AC Charge is Rs Rs 5930 and debited the same amount. But when transaction settled they added 1% charge, you can see it in this screenshot. Cashback credited in 2 days, that's also visible in screen shot. Pls check red and green line

#After October, I never booked through smartbuy as I closed HDFC Credit Card.

 

[thanix]

Booking via Smartbuy with Infinia or DCB is still good due to 3x accelerated reward points even with 1% PG charges. HDFC debit card also works good with 5% cashback and no pg charges.

 

[SiddharthR]

You can see it in payment page

I might have missed that 🤦🏻‍♂️

 

[PANK]

Payzapp also have any change like this on hdfc credit card or debit card
While doing utility payment

 

[Harry1]

Payzapp also have any change like this on hdfc credit card or debit card
While doing utility payment

Some people mentioned getting charged 1% for nps payments apart from what is shown already while doing transaction. But didn't see it mentioned anywhere.

 

[PANK]

Some people mentioned getting charged 1% for nps payments apart from what is shown already while doing transaction. But didn't see it mentioned anywhere.

Doing mobile recharge via hdfc credit card on payzapp have any changes if yes then how much
And what is the validity of payzapp cashback

 

[thanix]

Doing mobile recharge via hdfc credit card on payzapp have any changes if yes then how much
And what is the validity of payzapp cashback

No charges for mobile recharge with credit card linked through Payzapp till last month as I used it. I think the cashback is 20 INR. I don't know the validity of cashback and will be useful to know. Do update if you find out.