In that case I have to visit branch & fill the floater application form?
& Q1 - excluding the 35.4 convenience fees of IRCTC, if the ticket price is ₹210- do we get 11rs + 11 points or 10rs+10 points? I mean to ask if the spend is considered in the multiple of 100 or multiple of 20 for 5X reward & 5% cashback?
Q2- if we book via Smartbuy IRCTC using HDFCIRCTC card- is there any 1%+GST charges? Like there it is IRCTC official app & website.