Recently I purchased a CC senior citizen ticket from Thane to Shivaji nagar ( Pune) by 12127 Mumbai-Pune Intercity Express. The fare shown on IRCTC site was Rs 215. After paying through my credit card I found that the cost of the ticket was Rs 260/!! That means almost 21% extra- isn't that a bit too much! PM says use cards to pay instead of cash and this is the incentive?