IRCTC HDFC Bank Credit Card
Updated 15 Apr 2026Source-linked
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% back on IRCTC spends in the form of irctc reward points (points).
Cardholders get 8 annual domestic airport lounge access.
IRCTC HDFC Bank Credit Card
- Joining Fee₹500
- Annual Fee₹500
- Best Suited ForLifestyle & travel
- Reward TypeIRCTC Reward Points (points)
Rewards Rate
- 5% on irctc rail bookings
- 3% on groceries departmental
- Base 1.00% on other spends
Welcome Benefits
- Not applicable
Rewards and Benefits
Rewards Rate
5% on irctc rail bookings
3% on groceries departmental
Base 1.00% on other spends.
Reward Redemption
IRCTC: Redeem at ₹1 per unit.
Welcome Benefits
N/A
Milestone Rewards
N/A
Domestic Lounge Access
8 visits each annual.
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
- IRCTC transaction charge waiver — 1% + GST transaction charge waiver on IRCTC ticket bookings.
Fees & Charges
Spend-Based Waiver
₹1,50,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.60% per month (43.2% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹4,000, capped at ₹250 per statement.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)
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
Pros
- Annual fee waivable on ₹1,50,000 spend.
- Complimentary domestic airport lounge access (8/annual).
- Accelerated earn rate of 5% on irctc rail bookings.
Cons
- Standard forex markup of 3.50% — suboptimal for international spend.
- No rewards on fuel spends.
Accelerated rewards
- 5% on irctc rail bookingsMerchants: irctc
- 3% on groceries departmental
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
Airport lounge access
Domestic
8 visit(s) / annual. Via issuer-direct.
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹400 and ₹4,000, capped at ₹250 per statement.
Other benefits
- IRCTC transaction charge waiver. 1% + GST transaction charge waiver on IRCTC ticket bookings.
Sources
- : www.hdfcbank.com · retrieved 15 Apr 2026
Last verified 15 Apr 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.