IRCTC HDFC Bank Credit Card
The IRCTC HDFC Bank Credit Card is a entry co-branded credit card from HDFC Bank and IRCTC, with a joining fee of ₹500 + GST.
It earns up to 5 pts per ₹100 (≈5.0% value) on IRCTC spends in the form of irctc reward points (points).
Cardholders get 8 annual domestic airport lounge access.
- Joining Fee₹500
- Annual Fee₹500
- Best Suited ForLifestyle & travel
- Reward TypeIRCTC Reward Points (points)
- 5 pts per ₹100 on irctc rail bookings (cap 1000 points / monthly)
- Base 0.95% on other spends
- Not applicable
Rewards and Benefits
- IRCTC transaction charge waiver — 1% + GST transaction charge waiver on IRCTC ticket bookings.
See the math — accelerations & caps
What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.
No accelerated categories apply to the spend you entered — everything earns the base rate.
Base-rate spend
Non-accelerated spend, summarized at this card's base rate.
- Online shopping₹15,000 · 1.0% = ₹150/mo
- Groceries₹8,000 · 1.0% = ₹80/mo
- Dining & food delivery₹8,000 · 1.0% = ₹80/mo
- Fuel₹4,000 · 0.0% = ₹0/mo
- Travel & hotels₹10,000 · 1.0% = ₹100/mo
Travel & hotels — earns base; accelerated rate needs booking via irctc-direct
- Utilities & bills₹5,000 · 1.0% = ₹50/mo
₹5,520 rewards − ₹0 annual fee. Estimate for the spend you entered.
Fees & Charges
Product Details
- Co-branded entry card by HDFC Bank and IRCTC.
- Joining / annual fee of ₹500 + GST, waived on annual spends of ₹1,50,000.
- Available on the RuPay network.
- Complimentary airport lounge access: domestic (8/annual).
Pros & Cons
- Annual fee waivable on ₹1,50,000 spend.
- Complimentary domestic airport lounge access (8/annual).
- Accelerated earn worth ≈5.0% on irctc rail bookings.
- Standard forex markup of 3.50% — suboptimal for international spend.
- No rewards on fuel spends.
Accelerated rewards
- 5 pts per ₹100 on irctc rail bookings (cap 1000 points / monthly)Merchants: irctcIRCTC rail accelerator capped at 1,000 Reward Points per month (12,000 per year).
- Grocery/departmental spends earn base 1× only (no 3× accelerator), subject to a monthly cap.
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
Airport lounge access
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹400 and ₹5,000, capped at ₹250 per statement.
Other benefits
- IRCTC transaction charge waiver. 1% + GST transaction charge waiver on IRCTC ticket bookings.
Sources
- : www.hdfc.bank.in · retrieved 3 Jul 2026
Last verified 5 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–60
- Credit score
- 720+
- Income (salaried)
- ₹3,00,000 p.a.
- Income (self-employed)
- ₹6,00,000 p.a.