IRCTC HDFC Bank Credit Card

Gaurav

Mon, 05/05/2025 - 19:32

The IRCTC HDFC Bank Credit Card is a travel credit card by HDFC Bank and IRCTC, made for people who often travel by train. The card has a joining and yearly fee of ₹500, but this fee can be removed if you spend ₹1.5 lakh or more in a year. You earn Reward Points when you use the card, especially on train ticket bookings through IRCTC—up to 5 points for every ₹100 spent. These points can be used for different rewards. You also get free access to railway lounges twice every quarter, which makes your travel more comfortable.

This card is a good option for those who take trains regularly, whether for work or holidays. It gives you up to 8 free visits to IRCTC Executive Lounges each year, where you can relax while waiting for your train. You also get welcome vouchers worth ₹500, which cover the joining fee. Compared to other similar cards, the IRCTC HDFC Bank Credit Card offers good rewards, useful travel benefits, and low charges, making it a smart pick for train travelers.

Credit Card Detail

Joining Fee

Rs. 500.00 +GST

Renewal Fee

Rs. 500.00 +GST

Best Suited For

Travel | Fuel

Reward Type

Reward

Welcome Benefits

A welcome gift voucher worth INR 500 will be provided upon card activation.

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Rewards and Benefits

Rewards Rate

You earn 1 Cash Point for every Rs. 100 spent on regular purchases and 5 Cash Points for every booking made on IRCTC.

Reward Redemption

You can use the Cash Points you earn for travel bookings on IRCTC and other options. Each Cash Point is worth up to Rs. 1.

Movie & Dining

N/A

Travel

You get 8 free entries to IRCTC Executive Lounges.

Golf

Domestic Lounge Access

International Lounge Access

N/A

Insurance Benefits

N/A

Fees & Charges

Interest Rates

3.6% per month

Spend-Based Waiver

The renewal fee is waived if you spend Rs. 1.5 lakhs or more in the previous year.

Rewards Redemption Fee

Rs. 0

Cash Advance Charges

2.5% of the cash amount or Rs. 500, whichever is greater.

Foreign Currency Markup

3.50% +GST

Fuel Surcharge

1% fuel surcharge waiver on all fuel transactions.

Card Details

Get a ₹500 welcome voucher (including an Amazon voucher) by activating the card within 30 days.
Earn 5 Reward Points for every ₹100 spent on IRCTC bookings and 1 point for every ₹100 spent on other purchases. Each point is worth ₹1.
Enjoy 8 free lounge visits per year at selected IRCTC Executive Lounges (up to 2 visits per quarter).
Get 5% extra cashback on IRCTC train bookings through HDFC SmartBuy.
Spend ₹30,000 in a quarter and receive an extra ₹500 voucher.
Save more with 1% IRCTC transaction charge waiver and 1% fuel surcharge waiver on spends between ₹400–₹5,000.
The ₹500 annual fee is waived if you spend ₹1.5 lakh in a year.

Pros/Cons

Pros

- This card is great for frequent travelers, offering free access to IRCTC Executive Lounges (8 times a year). You earn 5 reward points for every ₹100 spent on the IRCTC website or app, plus an extra 5% cashback on train ticket bookings through HDFC SmartBuy.

Cons

- You need at least 100 points to redeem rewards. The points can only be used to buy train tickets on the HDFC SmartBuy platform.