IRCTC HDFC Bank Credit Card

Renewal feeJoining fee

₹500 + GST

Fee waiver rule

Fee waived if you spend ₹1,50,000.

Add-on card fee

₹0

Welcome benefit

Gift voucher worth ₹500 on performing 1 transaction of any amount within first 37 days of card issuance

Reward rate

1 Reward Point per ₹100 · everyday spends5 Reward Point for every ₹100 spent on IRCTC ticketing website and Rail Connect App; 1 Reward Point for every ₹100 spent on all other spends.

EMI spend earning

Only EMI principal amount will be rewarded with Reward Points

Fuel earning

Reward Points shall not be eligible for Fuel Spends.

Government spend earning

Reward Points shall not be eligible for Government related transactions.

Groceries earning

Reward Points on grocery capped maximum at 1000 Reward Points per month and 12000 Reward Points annually

Insurance spend earning

Insurance transactions earn Reward Points, capped at 2,000 per month.

Rent earning

Reward Points shall not be eligible for Rental transactions.

Travel earning

5 Reward Point for every ₹100 spent on IRCTC ticketing website and Rail Connect App; Additional 5% cashback on train ticket bookings via HDFC Bank SmartBuy.

Utilities earning

Utility spends: maximum eligible spends 2,00,000 per month, maximum 2,000 Reward Points per month

Wallet load earning

Reward Points shall not be eligible for Wallet loads.

Reward exclusions

Fuel Spends; Wallet loads / Gift or Prepaid Card load/ Voucher purchase; Cash Advances; Payment of Outstanding Balances; Payment of card fees and other charges; Government related transactions; Education; Smart EMI / Dial an EMI transaction; Rental transactions; Interest amount of Merchant EMI.

Reward caps

5X Reward Points on partner IRCTC spends capped maximum at 1000 Reward Points per month and 12000 Reward Points Annually

Redeeming points for travel

Reward Points can be used only for redemption against train ticket booking via HDFC Bank SmartBuy

Point expiry

2 years from the date of earning the reward points.

Smallest number of points that can be redeemed

Minimum of 100 Points are needed to redeem rewards

What one reward unit is worth

Value of 1 RP= ₹1 for Train ticket booking.

Domestic lounge access

8 Complimentary IRCTC Executive Lounge access per year (2 per quarter)

Milestone benefits

Gift voucher worth ₹500 every calendar quarter on spends of ₹30,000 or more.

Minimum spend rules

Minimum transaction value to be eligible for reward points is ₹100

Fuel surcharge waiver

1% Fuel Surcharge waiver on fuel transactions (Minimum transaction of ₹400, Maximum transaction of ₹5,000 & Maximum CashBack of ₹250 per statement cycle)

Surcharge on railway tickets

1% of the transaction amount as Railway Ticket Purchase fee will be waived off as charges reversal on bookings made via IRCTC mobile app/website.

Lost card liability

The cardmember is wholly liable for all transactions prior to reporting the loss of the card; after the bank receives proper notification of the loss, the cardmember's subsequent liability is zero.

Balance transfer terms

1% of the transferred amount or ₹250, whichever is higher.

Purchase to EMI conversion

Ability to convert large transactions to a SmartEMI after purchase.

Forex markup

3.5% on foreign currency transactions.3.50% of transaction value

Dynamic currency conversion markup

With effect from 15th May 2026, a markup fee of 1.75% is levied on all transactions carried out in Indian Currency at an international location or at merchants located in India but registered overseas

Cash advance fee

2.5% of the transaction amount or a minimum of ₹500 whichever is higher

Cash advance interest

Finance charge equal to charges on revolving credit, from the date of withdrawal until the date of full payment

Cash withdrawal limit

At HDFC Bank, we offer a cash advance limit of 40 %.

Interest on unpaid balance

3.75% Monthly, 45.0% Annually

Interest-free period

Up to 50 days of interest-free Credit from the date of purchase

Late payment fee

Nil to ₹1300/- (Excl. GST)

Over-limit fee

Over-limit charge of 2.5% of the overlimit amount, subject to a minimum of ₹550, applicable on total outstanding exceeding the credit limit, basis explicit consent

Payment return or dishonour fee

2% of Payment amount subject to minimum of ₹450 (applicable for cheque payment return or unsuccessful payment attempt through Autopay facility)

Statement or duplicate statement fee

₹10 for each duplicate statement request.

Card replacement fee

₹199 for non-metal cards; ₹3,500 for metal cards.

Cash payment / cash deposit fee

₹100 (for all card payments made by depositing in HDFC Bank branches or ATMs)

Charge for lounge visits beyond the free limit

All visits exceeding the complimentary quarterly quota will be chargeable by the IRCTC Executive Lounge.

Education / school fee charge

1% fee on education transactions done through third party applications like (but not limited to) CRED, Nobroker, Cheq etc., capped at ₹4999 per transaction; education transactions done directly through college / school websites or through POS machines at their premises, and international education transactions, will not be charged.

EMI conversion fee

Smart EMI processing fee: upto ₹849 (exclusive of GST for all loan amounts)

Fee on online skill-based gaming spends

From 1st July 2025, 1% fee on online skill-based gaming spends exceeding ₹10,000 in a calendar month; fee applied on the total online skill-based gaming spends in the calendar month; fee capped at ₹4999 per month

Foreign ATM fee

Cash from ATMs in India or abroad: transaction fee of 2.5% or ₹500, whichever is higher, levied on the amount withdrawn and billed in the next statement.

Reward redemption fee

₹99 + GST

Wallet load charge

From 1st July 2025, 1% fee on wallet loading spends (excl PayZapp) exceeding ₹10,000 in a calendar month; fee applied on the total wallet loading spends in the calendar month; fee capped at ₹4999 per month

Fuel transaction fee

1% fee on fuel transactions exceeding ₹15,000 for consumer cards (₹30,000 for business cards); fee applied on the total transacted amount; fee capped at ₹4999 per transaction.

Rent transaction fee

From 1st July 2025, 1% fee on transaction amount on rental transactions done on any applicable merchant for the month; fee capped at ₹4999 per transaction

Utility transaction fee

1% fee on utility spends exceeding ₹50,000 per calendar month for consumer cards (₹75,000 per calendar month for business cards); fee applied on the total utility spends in the calendar month; fee capped at ₹4999 per month.

GST note

Effective 1st July 2017, GST is applicable on all Fees, Charges and Interest transactions

Minimum amount due

MAD = Total GST + EMI amount + 100% of Fees/Charges + Over-limit Amount (if any) + 5% of (Finance Charge + Retail Spends + Cash Advance) where that 5% is higher than the Finance Charge; where it is less, 100% of Finance Charges + 5% of (Retail Spends + Cash Advance) instead. MAD at or below ₹200 is charged as ₹200; if Total Amount Due is ₹200 or lower, MAD equals it.

Income requirement

Salaried: Income (Monthly) — ₹12,000; Self-employed: Annual ITR > ₹6 lakh.

Income, self-employed

Annual ITR > ₹6 lakh.

Minimum age

21 years

Documents required

Identity Proof: Passport, Aadhaar card, Voter ID, Driving license, PAN card, Passport size photographs; Address Proof: Utility bills, Rental agreement, Passport, Aadhaar card, Voter ID; Income Proof: Salary slips, ITR, Form 16, Bank statements.

Residency

Indian