HDFC Bank IRCTC Credit Card
TravelUPI RuPayVerified · September 17, 2026
4.8/5.0
Updated on September 17, 2026
🎖️Reward Rate
1 Reward Point for every ₹100 spent on non-ticketing spends
Overview
HDFC Bank IRCTC Credit Card by HDFC Bank provides premium value tailored for Co-brand/Travel cardholders.
Rewards
Reward Type
Reward Points
Reward Rate
- • 1 Reward Point for every ₹100 spent on non-ticketing spends
- • 5 Reward Points for every ₹100 spent on IRCTC ticketing website and Rail Connect App
- • Additional 5% cashback on train ticket bookings via HDFC Bank SmartBuy
Welcome Benefit
₹500 gift voucher on completing 1 transaction of any amount within the first 37 days of card issuance
Milestone Benefit
₹500 gift voucher on spend of ₹30,000 or more per calendar quarter
Redemption
- • Redeemable only against train tickets booked via HDFC Bank SmartBuy: 1 Reward Point = ₹1, capped at 70% of the fare (inclusive of all passengers' fares and service charges)
- • Minimum 100 points required to redeem
- • Points are valid for 2 years from the date of earning
Benefits
- Fuel surcharge waiver of 1% at all fuel stations across India
- 1% transaction charge waiver on IRCTC ticketing website/Rail Connect App bookings
- ₹1,000 cashback across 200+ brands via PayZapp
- Interest-free period of up to 50 days
- Contactless payments enabled, ₹5,000 max per transaction without PIN
- Zero Lost/Cost Card Liability if reported immediately to HDFC's 24-hour call centre
- Revolving credit at nominal interest rate
- SmartEMI conversion for large transactions
Things to Know Before you apply
HDFC Bank IRCTC Credit Card Eligibility Criteria
- Age: 21–65 years
- Salaried: monthly income of ₹12,000; Self-employed: annual ITR above ₹6 lakh
- Salaried, Self-Employed
- Indian national
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹500 |
| Annual Fee | ₹500 |
| Foreign Currency Mark-up Fee | 3.5% |
| Cash Advance Fee | Not disclosed on HDFC's official page |
Fee waiver: Spend ₹1,50,000 or more in a year, before the renewal date
PaisaSimple Review
Overall Rating
4.8/5What do we like about this card?
HDFC Bank IRCTC Credit Card issued by HDFC Bank is one of India's leading credit cards for Co-brand/Travel spends, featuring competitive reward earning and verified travel perks.
Pros
- • Base Rewards: 1 CashPoint per ₹100 (1 CashPoint per ₹100 on non-IRCTC retail spends)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
Cons
- • Annual renewal fee of ₹500
- • Reward exclusion on fuel purchases and wallet load transactions
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Best Suited for
TravelUPI RuPay
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Fee Details
Joining Fee
₹500
Annual/Renewal Fee
₹500
Joining Fee
₹350
Annual/Renewal Fee
₹350
Joining Fee
₹1,499
Annual/Renewal Fee
₹1,499
Welcome Benefit
- • ₹500 gift voucher on completing 1 transaction of any amount within the first 37 days of card issuance
- • Instant ongoing access to 20% hotel and 10% flight discount vouchers on EaseMyTrip with no minimum spend restriction
- • Qualification Criteria: Card activation
- • Fulfillment Timeline: Immediate upon card setup
- • Welcome Benefit Amount: 1,500 Reward Points worth ₹1,500
- • Welcome Benefit Extra Cashback: PaisaSimple adds '₹500 cashback on first train ticket booked within 45 days'
- • Welcome Benefit Qualification: PaisaSimple: payment of joining fee within 30 days of card issuance, credited within 45 days
- • Welcome Benefit Amount: 1,500 reward points worth ₹1,500
- • Welcome Benefit — Extra ₹500 Cashback: Not mentioned
- • Welcome Benefit Trigger: 'On payment of 1st Annual Fee' (no specific day windows stated)
- • Welcome Cashback on First Train Ticket: Not mentioned
Reward/Cashback Rate
- • 1 Reward Point for every ₹100 spent on non-ticketing spends
- • 5 Reward Points for every ₹100 spent on IRCTC ticketing website and Rail Connect App
- • Additional 5% cashback on train ticket bookings via HDFC Bank SmartBuy
- • Base Rewards: 10 Reward Points per ₹100 (10 Reward Points per ₹100 on standalone hotel and airline booking websites / apps)
- • 2 Reward Points per ₹100 (2 Reward Points per ₹100 on all other eligible retail transactions (1 pt = ₹0.25))
- • Accelerated Rewards: Flat 20% instant discount on domestic & international hotels (up to ₹5,000 / ₹10,000) and flat 10% instant discount on flights (up to ₹1,000 / ₹5,000) on EaseMyTrip using promo EMTSCB.
- • Excluded Categories: Fuel, Rent, Wallet loads
- • Reward Rate — Dining & Utility (standing instructions): 3 Reward Points per ₹125
- • Reward Rate — Other Retail Spend: 1 Reward Point per ₹125 (non-fuel)
- • Accelerated Rewards — IRCTC Ticket Booking: Up to 10% value back as Reward Points on AC1/AC2/AC3/Executive Chair Car/Chair Car bookings via IRCTC App/Website
- • Reward Rate — Dining/Utility: 3 Reward Points per ₹125
- • Reward Rate — Other Retail: 1 Reward Point per ₹125 (non-fuel)
- • Accelerated Rewards — IRCTC Bookings: Up to 10% value back as Reward Points (same class list)
- • Excluded Categories: Non-fuel retail purchases implied as eligible for base rate (fuel excluded)
Pros
- • Base Rewards: 1 CashPoint per ₹100 (1 CashPoint per ₹100 on non-IRCTC retail spends)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Base Rewards: 10 Reward Points per ₹100 (10 Reward Points per ₹100 on standalone hotel and airline booking websites / apps)
- • 2 Reward Points per ₹100 (2 Reward Points per ₹100 on all other eligible retail transactions (1 pt = ₹0.25))
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
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Cons
- • Annual renewal fee of ₹500
- • Reward exclusion on fuel purchases and wallet load transactions
- • Annual renewal fee of ₹350
- • Reward exclusion on fuel purchases and wallet load transactions
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