1. Home
  3. Card Listing

  5. Card Details

HDFC IRCTC Credit Card

5 from 2000 Users

All Card USPs

5 reward points on train bookings

for every ₹100 spent on train tickets through the IRCTC website or Rail Connect App

5% cashback on train bookings

through HDFC Bank SmartBuy

8 complimentary irctc lounge visits

per year (2 per quarter) at select IRCTC executive lounges at major railway stations

Best For

Travel

Joining/Annual Fees

Joining Fees

₹590 ( ₹500 + GST )

Joining fee is offset through a ₹500 gift voucher on card activation.

Annual Fees

₹590 ( ₹500 + GST )

Spend ₹1,50,000 or more in a year before the renewal date to get the renewal fee waived.

Eligibility

Age Criteria

21-60 years

Salary Criteria

3 LPA

Credit Rating*

700+

See if you are eligible for this card

Pin Code*

​

Monthly In Hand Income*

​₹
​

Income Type*

Salaried
Self

How to redeem?

Rewards Conversion Rate

1 Reward Point = ₹1

Redemption Options

Best Value: IRCTC train tickets (up to 70% of fare).
Other Options: Statement credit or SmartBuy product/voucher catalogue.

To check redemption catalogue

Click Here

All Card Benefits

All Benefits

  • Earn 5 Reward Points for every ₹100 spent on train ticket bookings through the IRCTC website or Rail Connect App.
  • Receive a ₹500 gift voucher upon card activation by performing a transaction within the first 37 days of issuance.
  • Avail 1% transaction charge waiver on train ticket bookings made on the IRCTC website and Rail Connect App.
  • Enjoy up to 8 complimentary visits per year (2 per quarter) to select IRCTC Executive Lounges at major railway stations.
  • Get an additional ₹500 gift voucher for every ₹30,000 spent within a quarter.
  • Avail 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 at fuel stations across India, with a maximum waiver of ₹250 per statement cycle.
  • Earn 1 Reward Point for every ₹100 spent on all other purchases.
  • Spend ₹1,50,000 or more in an anniversary year to get the renewal fee waived off.
  • Up to 50 days of interest-free credit on purchases.
  • Convert big-ticket purchases into EMIs with the Smart EMI feature.
  • Contactless payment-enabled for fast and secure payments.

Bank Exclusions

You will not earn points / cashback on spends in the following categories

For Points / Cashback Earnings

Fuel Spends

Wallet Loads

Gift Vouchers

Rent Payments

Education Spends

Cash Advances

For Spends Waiver

Fuel Spends

Wallet Loads

Gift Vouchers

Rent Payments

Education Spends

Cash Advances

Bank Fee Structure

StructureDetails
Forex Markups

3.5% Forex Markups are levied if you use your card to make payment in any currency other than INR. This fee will be levied if you shop on any ecomerce website which accepts payment in currency other than INR or if you make a payment outside of India using  a POS. Below mentioned table gives forex markup for most common spends
₹100 = ₹3.5
₹1,000 = ₹35
₹10,000 = ₹350
₹1,00,000 = ₹3500

3.5%
APR Fees

3.6% monthly fee. Credit cards allow you for a interest free payment period of 20-55 days. However, if you fail to make payment for your statement in due time then bank starts charging interest. A simple way to avoid heavy interest rates over long time is to convert your large spends in EMIs. Normally bank charges 16% p.a interest on EMIs however if you fail to pay in time then annual interest can reach upto 43.2%

3.6%
ATM Withdrawl

2.5% of the withdrawn amount is charged on cash advances using the credit card

2.5%
Reward Redemption Fees
N/A
Link for all T&Cs
Click Here
Railway Surcharge

Railway ticket booking surcharge is waived on bookings made via IRCTC website or IRCTC Rail Connect

N/A
Rent Payment Fees

A surcharge fee of 1% applies on rental transactions made using the credit card

1%
Cheque Payment Fees

A fee of ₹50 of the payment amount  is levied for cheque return, cheque dishonour, or auto-debit reversal

₹50
Cash Payment Fees

₹250 cash payment fee per deposit

₹100
Late Payment Fees

Additional ₹100 is charged if Minimum Amount Due remains unpaid for two consecutive cycles, continuing until cleared

Amount Due
₹0 ₹0
₹1–₹500 ₹400
₹501–₹5,000 ₹750
₹5,001–₹10,000 ₹950
₹10,001–₹25,000 ₹1,100
₹25,001–₹50,000 ₹1,300
Above ₹50,001

Apply for this card

TOP USPs

5 reward points on train bookings

for every ₹100 spent on train tickets through the IRCTC website or Rail Connect App

5% cashback on train bookings

through HDFC Bank SmartBuy

Apply Now