HDFC IRCTC credit card

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

Waived at ₹1.0L spend

Joining Fee

₹500

Base Reward Rate

3X

₹0.5/pt

Min CIBIL

680

₹3L+ income

Key Features

5% value back on IRCTC train ticket bookings (AC classes)
Zero booking transaction fee on IRCTC
2X reward points on dining and grocery
1X reward points on all other spends
Annual fee waived on ₹50,000 spend
Zero fuel surcharge at HPCL pumps
Zero liability on lost card
Add-on cards available

Welcome Benefits

✓

500 Bonus CashPoints on Activation

500 CashPoints on first transaction or IRCTC booking within 90 days

✓

Zero Transaction Fee on IRCTC

No card transaction fee on IRCTC — saves the usual 1–1.8% charged on other cards

Reward Rates by Category

Dining

2X

Travel

5X

Online

2X

Shopping

2X

Grocery

2X

Fuel

2X

Utilities

1X

Other

2X

Partner Earn Rates

PartnerCategoryEarn Rate
IRCTCTrain Tickets5X
SwiggyFood Delivery2X
BigBasketGrocery2X

Milestone Benefits

₹50,000

Annual Fee Waiver

Spend ₹50,000 in a year to waive the annual fee

Annual

Airport Lounge Access

Domestic

0 visits/year

International

0 visits/year

Insurance & Protection

Personal Accident Cover

Accidental death cover

₹50 Lakhs

Credit Shield

Dues waived on accidental death

Outstanding balance

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

Frequently Asked Questions

How much value back on IRCTC?+
5% on AC class bookings — CC, EC, 2A, 3A and 1A. Sleeper and general may not qualify.
Is there a transaction fee on IRCTC?+
No — zero transaction fee when booking IRCTC tickets with this card.
What on other spends?+
2X on dining and grocery, 1X on all others.
Annual fee?+
₹500. Waived on ₹50,000 annual spend.
Can I book flights with it?+
Yes — earns 1X points on flights and hotels, but best value is IRCTC train bookings.

Ready to apply?

Apply on the HDFC Bank website. Usually takes 10 minutes.

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HDFC IRCTC

₹500/yr · 3X rewards