Best Way to Get Max Discounts on Train Ticket Booking

For higher price ticket use Amazon pay .

And for smaller use irctc app using rupay credit card 

Smartbuy gives 5% for hdfc cards, if you can get amazon gc at 5% then you can pay through wallet

Amazon Pay deducts agent booking and convenience charges whereas Smartbuy doesn't deduct any convenience charges and you can easily get 5% savings with HDFC cards.

i never used smartbuy

but I used amazon pay wallet before when we can get apay voucher easily with 5% discount with millennia and swiggy card.  but now i am not sure that i can get 5% discount for buying apay voucher from Amazon or even from neu store

Smartbuy any day, Amazon has way too much convenience charge offsetting any benefit the 5% can give

Only if it is a ticket running into 5K or above should you think of Amazon pay

Use confirmtkt or ixigo trains and select pay with rewards - twid if you have reward points or super coins you get discounts 

EDIT: SMARTBUY DEVALUED TRAIN BOOKING TICKETS.