LTF

🎁 Get up to ₹1,000 Amazon Voucher on select credit cards!

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IRCTC HDFC Bank Credit Card
RuPay 📡 Contactless NFC

IRCTC HDFC Bank Credit Card

Joining Fee₹500
Annual Fee₹500
Forex Markup 3.5%

⚖️ Card Verdict & Target Persona

Who Should Apply

Train commuters and travelers regularly booking AC train tickets on IRCTC seeking 5% reward valueback, 4 railway lounge visits, and RuPay UPI support.

Who Should Avoid

Air travelers seeking domestic airport lounge access or users who rarely use Indian Railways.

🎁 Key Features & Highlights

🎉

Joining & Activation Welcome Gift

₹500 Amazon Pay gift voucher on completing first transaction within 37 days of card setup

5 CashPoints per ₹100 on IRCTC Bookings

5 CashPoints per ₹100 spent on train ticket bookings via the IRCTC ticketing website and mobile app.

4 Complimentary Railway Lounge Visits

4 complimentary railway lounge visits per calendar year (1 visit per quarter) at IRCTC Executive Lounges.

1% Transaction Surcharge Waiver

1% transaction charge waiver on all train ticket bookings made via IRCTC portal.

💰 Reward Structure & Point Valuation

1 CashPoints = ₹1
Standard Base Earning
1 CashPoint per ₹100 spent on regular non-fuel retail (1.0% return)
Accelerated / Partner Rate
5 CashPoints per ₹100 (5.0% return) on train ticket bookings via irctc.co.in / IRCTC app and HDFC SmartBuy; 1% transaction surcharge waiver on IRCTC bookings (capped at ₹1,000/month)
Points Validity:24 Months
Redemption Fee: ₹99 + GST / cycle
Redemption Modes: Train Ticket Bookings via HDFC SmartBuy IRCTC portal (1 CashPoint = ₹1.00, up to 70% of fare), Direct Statement Credit (1 CashPoint = ₹0.25), Product Catalog & Brand Vouchers
🚫 No Reward Points / Cashback on:
Fuel Wallet Loads Rent Payments Government Transactions Cash Advances EMI

🛋️ Airport Lounge Access & Spend Criteria

✗ No Free Lounge Access
🛫
Domestic Lounge Visits4 complimentary railway lounge visits per calendar year (1 visit per quarter)
🌐
International Lounge VisitsNone
⚠️

Spend Criteria: None

⚡ Spend Milestones & Special Perks

Annual Fee Waiver ₹50,000/yr
Annual renewal fee of ₹500 is waived off on spending ₹50,000 or more in the previous anniversary year
UPI Payments Support✓ Supported (RuPay)
1 CashPoint per ₹100 on eligible merchant RuPay UPI QR transactions
Fuel Surcharge Waiver1% Surcharge Waived
1% fuel surcharge waiver for transactions between ₹400 and ₹5,000 (Capped at ₹250/mo)

📋 Eligibility Criteria

✓ Official Criteria
Age Limit21 - 60 Years
Min. Monthly Income₹25,000
Min. Credit Score720 CRIF
Employment TypeSalaried / Self-Employed

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):3.60% per month (43.20% per annum)
Late Payment Penalties:Late payment charges slab-based up to ₹1,300
Official Bank Portal Application

Get the IRCTC HDFC Bank Credit Card

Annual Fee: ₹500/yr (Waivable)

Apply Online Now →
Personalized Card Matcher

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🔍 Related Credit Card Collections

Best Credit Cards for 720 CIBIL Score LTF Cards for Salary Under ₹25,000 All HDFC Bank Credit Cards RuPay UPI Credit Cards Best RuPay Credit Cards

Frequently Asked Questions

No, IRCTC HDFC Bank Credit Card has a joining fee of ₹500 and an annual renewal fee of ₹500 (plus applicable taxes).
IRCTC HDFC Bank Credit Card ₹500/yr
Apply Now →