IRCTC HDFC Bank Credit Card
HDFC Bank
Annual / renewal fee
Confirm on the official page
Official source not yet captured
Earn rate
- 5 Reward Points per ₹100 on train ticket booking on IRCTC Website/IRCTC RailConnect App (1X base + 4X additional).
- 5 Reward Points per ₹100 plus 5% Cashback on train ticket booking on HDFC Bank SmartBuy.
- 1 Reward Point per ₹100 on other spends.
- Reward Points earned in multiples of ₹100.
Verifiedharvested from product page2 Aug 2026, 9:15 AM ISTHDFC Bank
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at hdfc.bank.in — if a different card is shown first, use its card selector to pick this one.
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at hdfc.bank.in — if a different card is shown first, use its card selector to pick this one.
Overview
IRCTC HDFC Bank Credit Card by HDFC Bank. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
₹500 + applicable taxes (levied on the 45th day from the date of card issuance).
Verifiedharvested from product page2 Aug 2026, 9:15 AM ISTHDFC Bank
Annual / renewal fee
Confirm on the official page
Official source not yet captured
Fee waiver
- Renewal fee of ₹500 + GST waived on spends of ₹1,50,000 or more in a year before Renewal Fee date.
- Else levied on card anniversary date.
Verifiedharvested from product page2 Aug 2026, 9:15 AM ISTHDFC Bank
Renewal fee
- ₹500 + GST.
- Waived on spends of ₹1,50,000 or more in a year before the Renewal Fee date.
- If ₹1,50,000 spends not made in previous year, renewal fee levied on card anniversary date.
Verifiedharvested from product page2 Aug 2026, 9:15 AM ISTHDFC Bank
Rewards
- 5 Reward Points per ₹100 on train ticket booking on IRCTC Website/IRCTC RailConnect App (1X base + 4X additional).
- 5 Reward Points per ₹100 plus 5% Cashback on train ticket booking on HDFC Bank SmartBuy.
- 1 Reward Point per ₹100 on other spends.
- Reward Points earned in multiples of ₹100.
Verifiedharvested from product page2 Aug 2026, 9:15 AM IST
Redemption value
- 1 Reward Point = ₹1 (for Points + Pay on HDFC Bank SmartBuy).
- Reward Points redeemable only via HDFC Bank SmartBuy for Train ticket bookings.
- Min 100 points to redeem.
- Max 70% of fare ticket amount redeemable.
- ₹99 + GST charged per successful points redemption.
- Cashback Redemption Charges: ₹50 per cashback redemption not applicable (IRCTC excluded).
- Reward Points expire 2 years after customer's last eligible earn or use transaction.
Verifiedharvested from product page2 Aug 2026, 9:15 AM ISTHDFC Bank
Reward cap
- 5X on IRCTC spends capped at 1,000 RP/month (12,000/year).
- UPI capped at 500 RP/month.
- Grocery capped at 1,000 RP/month (12,000/year).
- Other spends capped at 1,000 RP/month (12,000/year).
- Fair Usage caps (per statement cycle): max reward points 25,000.
- Insurance capped at 2,000 RP/month (rest of cards, w.e.f 1st July 2025).
- Utility 2,00,000 spends = 2,000 RP/month.
- Telecom 2,00,000 spends = 2,000 RP/month.
Verifiedharvested from product page2 Aug 2026, 9:15 AM ISTHDFC Bank
Reward exclusion
- No Reward Points on: 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 and Rental pay transactions.
- Education.
- Smart EMI/Dial an EMI.
- Interest amount of Merchant EMI.
- Online Skill-based Gaming earns no Reward Points (w.e.f 1st July 2025).
- MCC 6540 (wallet) not considered for Reward Points.
Verifiedharvested from product page2 Aug 2026, 9:15 AM ISTHDFC Bank
Travel & lounge
Lounge access
- 8 complimentary IRCTC Executive Lounge accesses per year (maximum 2 per quarter) at select railway stations.
- Available to primary and supplementary card holders.
- Valid card and valid train travel ticket required at entrance.
- ₹2 charged to validate card.
- Includes 2 hours stay, A/C seating, washrooms/changing room, 1 buffet meal, unlimited tea & coffee, free Wi-Fi, charging points, newspaper and magazine.
Verifiedharvested from product page2 Aug 2026, 9:15 AM ISTHDFC Bank
Travel benefit
- 1% Transaction (Railway Ticket Purchase) surcharge reversed on bookings made via IRCTC Website/Mobile App, RailConnect app/website or HDFC Bank SmartBuy website.
- Capped at maximum ₹1,000 per month.
- Reversal on ticket cancellation/refund also 1% of refund amount.
Verifiedharvested from product page2 Aug 2026, 9:15 AM ISTHDFC Bank
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
Confirm on the official page
Official source not yet captured
Insurance
- Select HDFC Bank credit card variants have complimentary insurance cover.
- Policy coverage starts from the date of Credit Card set up.
- For nominee details and terms, refer usage guide.
VerifiedMost Important Terms & Conditions (MITC) – HDFC Bank Personal Credit Cards (covers IRCTC card)2 Aug 2026, 9:15 AM ISTHDFC Bank
Milestone benefit
- Gift Voucher worth ₹500 on spends of ₹30,000 or more per period.
- Card issued till 30th Sep'25: quarterly (every 90 days from issuance date, not calendar quarter).
- Card issued from 1st Oct'25 onwards: every calendar quarter.
- Valid for retail transactions only.
Verifiedharvested from product page2 Aug 2026, 9:15 AM ISTHDFC Bank
Statement credit
- 5% Additional Cashback on IRCTC Train Ticket booking made via HDFC Bank SmartBuy (in addition to 5X Reward Points).
- Capped at maximum ₹1,000 per month and ₹12,000 annually.
- SmartBuy cashback offers are dynamic and may change.
Verifiedharvested from product page2 Aug 2026, 9:15 AM ISTHDFC Bank
Eligibility
Not published in the official documents on file — see the official T&C link below.
Charges & interest
Forex markup
Confirm on the official page
Official source not yet captured
Fuel surcharge waiver
- 1% Fuel Surcharge waiver on fuel transactions (Minimum transaction of ₹400, Maximum transaction of ₹5,000 & Maximum waiver of ₹250 per statement cycle).
- GST on fuel surcharge not reversed.
Verifiedharvested from product page2 Aug 2026, 9:15 AM ISTHDFC Bank
Interest-free period
- Interest free (grace) credit period ranges from 20 to 50 days, subject to the scheme applicable and submission of claims by the merchant.
- Not applicable if previous month's balance not cleared in full or if cash withdrawn from ATM.
VerifiedMost Important Terms & Conditions (MITC) – HDFC Bank Personal Credit Cards (covers IRCTC card)2 Aug 2026, 9:15 AM ISTHDFC Bank
Transfers
Transfer rule
- Reward Points can be redeemed only for train ticket bookings via HDFC Bank SmartBuy website.
- Reward Points may not be exchanged or utilized by another IRCTC Member for cash, prizes, or credit.
- Redemption available only after statement generation.
Verifiedharvested from product page2 Aug 2026, 9:15 AM ISTHDFC Bank
Common questions
What is the joining fee on the IRCTC HDFC Bank Credit Card?
Officially traced: Rs. 500 + applicable taxes (levied on the 45th day from the date of card issuance).
harvested from product pageIs the IRCTC HDFC Bank Credit Card annual fee ever waived?
Renewal fee of Rs. 500 + GST waived on spends of Rs. 1,50,000 or more in a year before Renewal Fee date.
harvested from product pageHow does the IRCTC HDFC Bank Credit Card earn rewards?
5 Reward Points per Rs. 100 on train ticket booking on IRCTC Website/IRCTC RailConnect App (1X base + 4X additional); 5 Reward Points per Rs. 100 plus 5% Cashback on train ticket booking on HDFC Bank SmartBuy; 1 Reward Point per Rs. 100.
harvested from product pageWhat lounge access does the IRCTC HDFC Bank Credit Card include?
8 complimentary IRCTC Executive Lounge accesses per year (maximum 2 per quarter) at select railway stations.
harvested from product pageWhat are the transfer ratios for IRCTC HDFC Bank Credit Card points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Official terms
https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/indian-oil-hdfc-bank-credit-card/part-i-key-fact-statement-cum-most-important-terms-and-conditions-for-credit-cards.pdf.
VerifiedIRCTC HDFC Bank Credit Card (fleet document) — governing document (side-door search)15 Aug 2026, 11:08 AM ISTHDFC Bank
Verified 2026-08-15 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.