HDFC IRCTC
HDFC Bank · Rupay
HDFC IRCTC credit card is co-branded with Indian Railways, offering reward points on train ticket bookings via IRCTC and everyday spends.
Annual Fee
₹500
Base Reward Rate
3X
Point Value
₹0.5/pt
Min CIBIL
680
Lounge Access
Domestic
0/year
International
0/year
Reward Rates by Category
Dining
2X
Travel
5X
Shopping
2X
Online
2X
Grocery
2X
Fuel
2X
Utilities
1X
Other
2X
Pros
- Rewards on IRCTC train bookings
- Transaction charge waiver on IRCTC
- Rupay network for UPI credit
- Annual fee waived on spend
- Fuel surcharge waiver
Cons
- Limited to IRCTC ecosystem for best value
- No lounge access
- Low rewards on non-travel spends
Ready to Apply?
Apply directly on the HDFC Bank website. Takes about 10 minutes.
