HDFC Bank RuPay IRCTC Credit Card benefits
- Travel5
reward points per ₹100 on IRCTC train bookings
up to 1,000 points a month
- Rewards1
reward point per ₹100 on other spends
- Rewards1
point is worth ₹1 on train tickets through SmartBuy
- Lounge8
IRCTC Executive Lounge visits a year at select railway stations
- Gift₹500
gift voucher on activation and on quarterly spends of ₹30,000
- Fees
Renewal fee waived on spends of ₹1.5 lakh in a year
HDFC Bank RuPay IRCTC Credit Card rewards and cashback
| Where you spend | Rate | Monthly limit |
|---|---|---|
| IRCTC5 reward points per ₹100 on train tickets booked on the IRCTC website and Rail Connect app, up to 1,000 points a month and 12,000 a year. | 5 points per ₹100 | 1,000 |
| GroceriesGrocery spends earn the normal rate, up to 1,000 points a month. | 1 points per ₹100 | 1,000 |
| Everything else | 1 points per ₹100 | 1,000 |
We value one point at ₹1 in the usual redemption.
No rewards on: Fuel and other spends listed in HDFC Bank's terms.
All reward rules
- 1 reward point per ₹100 on other spends, up to 1,000 points a month and 12,000 a year.
- Reward points can be used only for train ticket bookings through HDFC Bank SmartBuy, where 1 point is worth ₹1. Points are valid for 2 years.
- UPI spends earn up to 500 reward points a month.
- A ₹500 gift voucher on activation, and a ₹500 voucher each calendar quarter on spends of ₹30,000.
- 1% transaction charge waiver on the IRCTC website and Rail Connect app.
What the HDFC Bank RuPay IRCTC Credit Card gives back in a year
Say you spend ₹30,000 a month, like our “frequent traveller” pattern, using IRCTC where the card pays extra. Worked out with the same maths as the calculator above.
| Spending | A month | Back | A year |
|---|---|---|---|
| Groceries | ₹3,000 | 1% | ₹360 |
| Dining and food delivery | ₹4,000 | 1% | ₹480 |
| Online shopping | ₹3,000 | 1% | ₹360 |
| Travel | ₹14,000 | 5% | ₹8,400 |
| Fuel | ₹1,000 | 0% | ₹0 |
| Bills and utilities | ₹2,000 | 1% | ₹240 |
| Everything else | ₹3,000 | 1% | ₹360 |
| Total | ₹30,000 | ₹10,200 | |
| Renewal fee with GST | Waived | ||
| You keep | ₹10,200* |
That is ₹1,110 a year more than the BOBCARD TIARA Credit Card on the same spending.
HDFC Bank RuPay IRCTC Credit Card annual fee and charges
- Joining fee
- ₹500
- Annual fee
- ₹500
- Fee waiver
- ₹1,50,000 a year
The renewal fee is waived if you spend ₹1,50,000 or more in a year before renewal. Fees are before GST.
Fuel surcharge: 1% fuel surcharge waiver on transactions of ₹400 to ₹5,000, up to ₹250 per statement cycle.
HDFC Bank RuPay IRCTC Credit Card eligibility
- Age
- 21 to 60
- Salaried income
- ₹1,44,000 a year
- Self-employed income
- ₹6,00,000 a year
Salaried applicants need a monthly income of ₹12,000. Self-employed applicants can be up to 65 years old and need an ITR of ₹6 lakh a year.
The bank alone decides approval and your credit limit.
HDFC Bank RuPay IRCTC Credit Card lounge access
The bank's terms list no fixed number of free airport lounge visits on this card.
No airport lounge benefit. The card gives 8 visits a year to IRCTC Executive Lounges at select railway stations, up to 2 a quarter.
Is the HDFC Bank RuPay IRCTC Credit Card right for you?
A card with a ₹500 fee that spending can waive, paying 5% at IRCTC and an above-average 1% elsewhere.
Worth its fee if you spend about ₹2,000 a month or more. Below that, the ₹500 fee costs more than the card gives back on spending like the example above.
Good for you if
- You spend a lot at IRCTC: the card pays 5% back there, against 1% on most other spends.
- You spend ₹1,50,000 a year or more (about ₹12,500 a month), so the ₹500 renewal fee is waived.
- You pay by UPI: it is a RuPay card you can link to UPI apps and use at shop QR codes.
Not for you if
- You spend less than about ₹12,500 a month: you would pay ₹590 a year with GST.
- You spend more than ₹20,000 a month at IRCTC: the higher rate stops there.
- You rarely use IRCTC: outside it the card pays 1%.
Check the latest fees and terms on the bank's page before you apply.
Alternatives to HDFC Bank RuPay IRCTC Credit Card
Two similar cards to weigh up before you apply. The last column shows what each may be worth on ₹30,000 a month of mixed spending, after the renewal fee with GST. Rates paid only at named brands are not counted, so a brand card can earn more if you shop there.
| Card | Annual fee | Rewards up to | You keep a year |
|---|---|---|---|
| HDFC Bank RuPay IRCTC Credit Card | ₹500 | 5% | ₹3,240* |
| BOBCARD TIARA Credit Card | ₹2,499 | 3.75% | ₹4,590* |
| MakeMyTrip ICICI Bank Credit Card | ₹999 | 6% | ₹3,600* |
*Estimate only, not a promise. We work it out from the bank's published terms and the spending you enter. What you actually get depends on the bank, your transactions and any change in its terms.
Frequently asked questions
What is the annual fee of the HDFC IRCTC Credit Card?
The joining and renewal fee is ₹500 before GST. The renewal fee is waived if you spend ₹1,50,000 in a year before renewal.
Is the HDFC IRCTC Credit Card lifetime free?
No. It has a ₹500 fee, which you can avoid by spending ₹1,50,000 in a year.
How can I use HDFC IRCTC reward points?
Only for train ticket bookings through HDFC Bank SmartBuy, where 1 reward point is worth ₹1.
Does the HDFC IRCTC Credit Card give lounge access?
It gives 8 visits a year to IRCTC Executive Lounges at select railway stations, up to 2 a quarter. It gives no airport lounge access.
What is the eligibility for the HDFC IRCTC Credit Card?
Salaried applicants must be 21 to 60 years old with a monthly income of ₹12,000. Self-employed applicants must be 21 to 65 years old with an ITR of ₹6 lakh a year.