HDFC Bank IRCTC Credit Card
Updated on August 25, 2026
🎖️Reward Rate
Base Rewards: 1 CashPoint per ₹100 (1 CashPoint per ₹100 on non-IRCTC retail spends)
Overview
HDFC Bank IRCTC Credit Card by HDFC Bank provides premium value tailored for Co-brand/Travel cardholders.
Rewards
Reward Type
Air Miles
Reward Rate
- • Base Rewards: 1 CashPoint per ₹100 (1 CashPoint per ₹100 on non-IRCTC retail spends)
- • Accelerated Rewards: 5 CashPoints per ₹100 spent on IRCTC ticketing website and Rail Connect app via HDFC payment gateway + 5% additional cashback via SmartBuy
- • Excluded Categories: Fuel, Wallet loads, Rent
Welcome Benefit
₹500 Amazon gift voucher on card activation and spending within 30 days + 500 CashPoints on fee payment; Qualification Criteria: Card activation within 30 days; Joining fee realization; Fulfillment Timeline: Voucher sent via SMS within 30 days post criteria completion
Milestone Benefit
Spend ₹30,000 (Quarterly): ₹500 gift voucher on spending ₹30,000 every quarter; Spend ₹1.5 Lakhs (Annual): Annual fee waiver for subsequent year; Annual Fee Waiver: Spend ₹1.5 Lakhs or more in preceding 12 months for fee waiver
Redemption
- • Redeem CashPoints for free train ticket bookings on IRCTC at 1 CashPoint = ₹1.00
- • Travel bookings via SmartBuy at 1 CashPoint = ₹0.30
Benefits
- Domestic Airport Lounge: 8 per calendar year (2 per quarter at select Railway Executive Lounges across India) via IRCTC Railway Executive Lounge Program
- Fuel Surcharge Waiver: 1% (Max waiver ₹250 per statement cycle)
- 1% Transaction Charge Waiver on IRCTC: 1% transaction charge waiver on train bookings on www.irctc.co.in or IRCTC Rail Connect App. (Automatic waiver during checkout) [Partners: IRCTC]
Things to Know Before you apply
HDFC Bank IRCTC Credit Card Eligibility Criteria
- Age: 21–60 years
- Salaried: Net monthly income > ₹25,000; Self-employed: ITR > ₹6.0 Lakhs per annum
- Salaried & Self-Employed Individuals
- Resident Indian
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹500 |
| Annual Fee | ₹500 |
| Foreign Currency Mark-up Fee | 3.5% |
| Cash Advance Fee | 2.5% (min ₹500) |
Fee waiver: Spend ₹1.5 Lakhs or more in preceding 12 months for fee waiver
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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- • ₹500 Amazon gift voucher on card activation and spending within 30 days + 500 CashPoints on fee payment
- • Qualification Criteria: Card activation within 30 days
- • Joining fee realization
- • Fulfillment Timeline: Voucher sent via SMS within 30 days post criteria completion
- • 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
- • Get 1,500 reward points worth ₹1,500 as Welcome Benefit upon payment of joining fee + ₹500 cashback on first train ticket booked within 45 days.
- • Qualification Criteria: Payment of annual joining fee within 30 days of card issuance
- • Fulfillment Timeline: Credited to card account within 45 days of fee realization
- • Base Rewards: 1 CashPoint per ₹100 (1 CashPoint per ₹100 on non-IRCTC retail spends)
- • Accelerated Rewards: 5 CashPoints per ₹100 spent on IRCTC ticketing website and Rail Connect app via HDFC payment gateway + 5% additional cashback via SmartBuy
- • Excluded Categories: Fuel, Wallet loads, Rent
- • 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
- • Base Rewards: 3 Reward Points per ₹125 (3 Reward Points per ₹125 spent on Dining and standing instructions on Utility spends)
- • 1 Reward Point per ₹125 (1 Reward Point per ₹125 on other retail spends)
- • Accelerated Rewards: Up to 10% value back as Reward Points on buying train tickets through IRCTC App and Website for AC1, AC2, AC3, Executive Chair car, and Chair Car.
- • Excluded Categories: Fuel transactions, Wallet loads
- • 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
- • Base Rewards: 3 Reward Points per ₹125 (3 Reward Points per ₹125 spent on Dining and standing instructions on Utility spends)
- • 1 Reward Point per ₹125 (1 Reward Point per ₹125 on other retail spends)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • 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
- • Annual renewal fee of ₹1499
- • Reward exclusion on fuel purchases and wallet load transactions