HDFC IRCTC Credit Card

Card Benefits

Key benefits available with this card.

5 Reward Points on IRCTC Spends

Earn 5 Reward Points for every ₹100 spent on the IRCTC ticketing website and Rail Connect App.

1 Reward Point on Other Spends

Earn 1 Reward Point for every ₹100 spent on other eligible purchases.

5% SmartBuy Cashback on IRCTC

Get an additional 5% cashback on eligible IRCTC train ticket bookings made through HDFC Bank SmartBuy.

8 Complimentary Railway Lounge Visits

Get 8 complimentary visits to select IRCTC Executive Lounges every year, with a maximum of 2 visits per quarter.

1% IRCTC Transaction Charge Waiver

Get a 1% transaction charge waiver on eligible transactions made through the IRCTC website and Rail Connect App.

₹500 Welcome Voucher

Receive a ₹500 gift voucher on activating the HDFC IRCTC Credit Card within 30 days of card issuance.

₹500 Quarterly Milestone Voucher

Get a ₹500 gift voucher on spending ₹30,000 in a quarter, subject to applicable eligibility and terms.

Annual Fee Waiver

Get the ₹500 renewal fee waived when eligible annual spends reach ₹1,50,000 or more before the credit card renewal date.

1% Fuel Surcharge Waiver

Get a 1% fuel surcharge waiver on eligible fuel transactions, subject to applicable transaction and monthly limits.

₹1 Reward Point Redemption Value

Redeem eligible Reward Points against train bookings through HDFC Bank SmartBuy at a value of 1 Reward Point = ₹1.

Up to 50 Days Interest-Free Period

Eligible purchases can receive an interest-free period of up to 50 days depending on the transaction date and billing cycle.

Designed for Railway Travellers

A co-branded railway credit card designed for customers who frequently book train tickets through IRCTC and Rail Connect.

Welcome / Free Offer

Gift voucher worth ₹500 on activating the card within 30 days of card issuance.

Value up to ₹500

Eligibility: Activate the HDFC IRCTC Credit Card within 30 days of card issuance.

Rewards & Points

How rewards are earned on this card.

Category	Reward	Details
Regular Purchases	1.0000 points / ₹100	Earn 1.0000 points for every ₹100 spent.
Non-EMI retail spends on the IRCTC website and Rail Connect App. Earn 5 Reward Points per ₹100 spent on eligible IRCTC transactions.	HDFC Bank Reward Points	Earn 5.00X rewards on Non-EMI retail spends on the IRCTC website and Rail Connect App. Earn 5 Reward Points per ₹100 spent on eligible IRCTC transactions..

Reward Point Value: ₹1.0000 per point

Reward Exclusions: Reward Points are not earned on excluded transactions/categories as per HDFC Bank terms, including fuel spends, wallet loads, gift/prepaid card loads and voucher purchases, rent, government-related transactions, education payments, EMI transactions, cash advances, fees/charges and other transactions/categories excluded under the applicable HDFC Bank Reward Points programme. 5X IRCTC rewards are based on eligible merchant IDs, terminal IDs and MCCs. Transactions below ₹100 or residual amounts below ₹100 do not earn Reward Points.

Airport Lounge Access

IRCTC Executive Lounge

8 visits Year · Domestic

8 complimentary visits to select IRCTC Executive Lounges every year, maximum 2 visits per quarter. Access is subject to applicable IRCTC and HDFC Bank terms.

Fuel Surcharge Waiver

Waiver Rate 1.0000%

Maximum Monthly Waiver ₹250

Eligibility Criteria

Age

21 to 65 yrs

Employment

Salaried and Self-employed

Salaried Income

₹15,000 / month

Self-Employed

₹600,000 / year ITR

Credit Score

750+

New to Credit

Important Eligibility Information

Age: 21 to 65 years. Occupation: Salaried or Self-employed. PaisaBazaar-listed income guideline: Salaried ₹15,000 per month and Self-employed ₹6 lakh per annum. CreditJungle may display 750+ as a preferred credit-score guideline, but final eligibility and approval are determined by HDFC Bank. New-to-credit applicants may be considered subject to bank eligibility criteria.

Income: Salaried: ₹15,000 per month according to current PaisaBazaar information. Self-employed: ₹6 lakh annual income/ITR.

Employment: Salaried and Self-employed applicants can apply, subject to HDFC Bank eligibility and credit assessment.

Credit Score: CreditJungle guideline: 750+. New-to-credit applicants may also be considered subject to HDFC Bank internal assessment.

Documents Needed

PAN Card/Form 60; Aadhaar Card, Passport or utility bill as address proof; bank statements or salary slips as income proof; recent passport-size photograph.

Fees & Charges

Standard Joining Fee

₹500

Annual Fee

₹500 + GST

Fee Waiver: Spend ₹1,50,000 or more in a year before the credit card renewal date and the renewal fee is waived.

Fee Terms: Joining Fee: ₹500 + applicable taxes. Annual/Renewal Fee: ₹500 + applicable taxes. Annual fee is waived on eligible annual spends of ₹1,50,000 or more before the credit card renewal date. GST applicable at prevailing rate.

Pros

5 Reward Points per ₹100 on eligible IRCTC website and Rail Connect App transactions; additional 5% cashback on eligible IRCTC train-ticket bookings through HDFC Bank SmartBuy; 8 complimentary IRCTC Executive Lounge visits per year; 1% transaction-charge waiver on IRCTC website and app; ₹500 activation voucher; ₹500 quarterly milestone voucher; 1% fuel surcharge waiver; annual fee waiver at ₹1.5 lakh annual spending; reward points can be redeemed for eligible train bookings through SmartBuy at ₹1 per point.

Cons

Only 1 Reward Point per ₹100 on other eligible spends; railway-focused card with limited value for customers who do not frequently travel by train; no complimentary airport lounge benefit highlighted; accelerated 5X IRCTC rewards are capped at 1,000 points per month and 12,000 points per year; SmartBuy 5% cashback is also subject to applicable monthly and annual caps; reward exclusions apply.