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IRCTC HDFC Bank Credit Card
HDFC Bank
2.5
Rating
100
Reviews
Rs. 500 + GST
Joining Fee
Rs. 500 + GST
Annual Fee
Card Details
Rewards & Benefits
- 5 Reward Points per ₹100 on IRCTC bookings
- 1 Reward Point per ₹100 on other spends
- Additional 5% cashback on SmartBuy train tickets
Welcome Offer
- ₹500 gift voucher on first transaction within 37 days
Key Features
Railway-focused rewards
UPI linking capability
Contactless payments
Smart EMI option
50 days interest-free period
Rupay network benefits
Fee Waiver Condition
Spend ₹150,000 once per annually
Reward Redemption
- Train ticket bookings (1 RP = ₹1)
- 70% of ticket value redeemable
Milestone Benefits
- ₹500 gift voucher on ₹30,000 quarterly spends
Fuel Surcharge Waiver
% waiver (₹- per transaction)
Travel Benefits
- 8 IRCTC Executive Lounge accesses annually (2/quarter)
- 1% transaction charge waiver on IRCTC bookings (max ₹1,000/month)
Ready to Apply?
Apply Now
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Card Quick Info
BankHDFC Bank
NetworkVisa/Mastercard
Last Updated7/19/2025