HDFC Bank
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IRCTC HDFC Bank Credit Card
IRCTC HDFC Bank Credit Card
HDFC Bank
Annual Fee
₹500
Effective Rate
0.25%
Network
RUPAY
Point Value
₹0.25/pt
About IRCTC HDFC Bank Credit Card
Co-branded IRCTC card. 5 RP/₹100 on IRCTC website/Rail Connect App + 5% SmartBuy cashback on train tickets. 1 RP/₹100 on all other spends. Points redeemable ONLY for train tickets via SmartBuy (max 70% of fare). IRCTC Executive Lounge access. 1% IRCTC transaction charge waiver. ₹500 quarterly voucher milestone. ₹1,000 PayZapp cashback.
Best For
Pros & Cons
thumb_upPros
- check_circleIRCTC Executive Lounge Access
- check_circle1% IRCTC Transaction Charge Waiver
- check_circleSpending milestone bonuses for high spenders
thumb_downCons
- cancelAnnual fee of ₹500 with no waiver option
- cancelForeign transaction fee applies on overseas spends
- cancelPoints redemption catalog may limit flexibility
Reward Earning Structure
Each point is worth ₹0.25 — an effective return of 0.25% on spend.
| Category | Earn Rate | Per ₹10,000 Spent |
|---|---|---|
| All other spends | 5% | 500 pts≈ ₹125 |
| All other spends | 5% | 500 pts≈ ₹125 |
| All other spends | 1% | 100 pts≈ ₹25 |
Points can typically be redeemed for flight tickets, hotel bookings, cashback, gift vouchers, or merchandise via the HDFC Bank rewards portal. Redemption value may vary by option.
Card Benefits
IRCTC Executive Lounge Access
Complimentary access to IRCTC Executive Lounges at participating railway stations.
1% IRCTC Transaction Charge Waiver
1% convenience/transaction charge waiver on bookings via IRCTC website and Rail Connect App.
₹500 Welcome Gift Voucher
₹500 gift voucher on card activation (complete 1 transaction within 90 days).
~₹500/yr value
PayZapp ₹1,000 CashBack
₹1,000 CashBack on in-app shopping across 200+ brands via PayZapp.
~₹1,000/yr value
1% Fuel Surcharge Waiver
1% fuel surcharge waiver at all fuel stations across India.
Zero Cost Card Liability
Zero liability on fraudulent transactions if reported immediately.
Spending Milestones
Unlock bonus rewards when your annual spend crosses these thresholds.
Spend ₹0 (QUARTERLY)
₹500 gift voucher on quarterly spends (for cards issued up to Sep 2025; threshold not stated).
Spend ₹1,50,000 (ANNUAL)
Renewal fee waived on ₹1,50,000 annual spend.
Fees & Charges
Key fees at a glance. For the complete schedule refer to the official Key Fact Statement (KFS) on the HDFC Bank website.
| Annual Fee | ₹500 |
| Forex Markup | As per issuer schedule |
| Interest Rate (APR) | Refer to KFS |
| Late Payment Charges | Refer to KFS |
| Cash Advance Fee | Refer to KFS |
Eligibility & Documents Required
Eligibility Criteria
- checkAge: 18–70 years (primary cardholder)
- checkMinimum annual income: As per bank norms
- checkCIBIL score: 750+ recommended
- checkEmployment: Salaried or self-employed Indian resident
Documents Required
- descriptionPAN Card (mandatory)
- descriptionAadhaar / Passport / Voter ID (address proof)
- descriptionSalary slips — last 3 months (salaried)
- descriptionLatest ITR or Form 16 (self-employed / salaried)
- descriptionBank statements — last 3 months
- descriptionPassport-size photograph
Frequently Asked Questions
Common questions about IRCTC HDFC Bank Credit Card.
Ready to apply for IRCTC HDFC Bank Credit Card?
Apply directly on the HDFC Bank website. Most decisions within 7–10 working days.
Affiliate disclosure: CreditBrain may earn a referral fee if you apply via our link. This does not affect our editorial independence.