RuPay
HDFC IRCTC Credit Card
Joining Fee₹500
Annual Fee₹500
📋 Eligibility Criteria
Age Limit21 - 60 Years
Min. Monthly Income₹25000
Min. Credit Score720 CRIF
Employment TypeSalaried / Self-Employed
🎁 Key Benefits & Perks
Earn 5 Reward Points per ₹100 on IRCTC Bookings
on every eligible spend made via the IRCTC ticketing website and IRCTC Rail 1 Reward Point = ₹1 at redemption against train bookings via HDFC Bank SmartBuy
Get Additional 5% Cashback on Train Ticket Bookings
on all train ticket bookings made through HDFC Bank SmartBuy using the card, capped at 70% of the total fare
Enjoy Complimentary Access to IRCTC Executive Lounges
at select railway stations across India, to relax in comfort before your journey
1% Transaction Charge Waiver
on IRCTC bookings via IRCTC website/app, Rail Connect, and HDFC Bank SmartBuy (capped at ₹1,000/month)
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Frequently Asked Questions
The joining fee for HDFC IRCTC Credit Card is ₹500.