IRCTC HDFC Bank Credit Card
An IRCTC co-branded card: 5 reward points per ₹100 on train tickets booked on the IRCTC website or Rail Connect app (up to 1,000 points a month), 1 point per ₹100 elsewhere; points are worth ₹1 each but only against train tickets on SmartBuy; ₹500 fee. Every figure below is copied from HDFC Bank’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Not on record from an official document: foreign-currency markup. CardWise does not estimate these.
Fees and charges
| Joining fee | ₹500 plus GST Fee schedule |
|---|---|
| Annual fee | ₹500 plus GST Fee schedule |
| Annual fee waiver | On ₹1,50,000 of spend in the year Fee schedule |
| GST on fees | As applicable (18% assumed in calculations) |
| Foreign-currency markup | Not on record |
| Reward redemption fee | ₹99 plus GST Terms |
Rewards
Reward points, ₹1 each when redeemed as stated Product page.
| Spend | Earns | Cap |
|---|---|---|
| Train tickets on the IRCTC website or Rail Connect app | 5 points per ₹100 Product page | up to 1,000 points a month Terms |
| Grocery | 1 point per ₹100 Product page | up to 1,000 points a month Terms |
| All other spends | 1 point per ₹100 Product page | no cap on record |
Points accrue on multiples of ₹100. The terms cap points on UPI transactions at 500 a month, but HDFC Bank does not say this card has a RuPay variant, so UPI spends are not modelled.
No rewards on
- Fuel, wallet and gift-card loads, vouchers, government and rent payments, education and EMI Terms
Benefits
- Lounges: none on record
- Fuel: 1% fuel surcharge waived on fills of ₹400 to ₹5,000, up to ₹250 a statement cycle Terms
- Welcome: ₹500 gift voucher on card activation (a transaction within 37 days of issuance) Product page
- Milestone: ₹500 gift voucher each calendar quarter with ₹30,000 of spend Product page
Also on this card
Quoted from HDFC Bank; not counted in the net value.
- Extra 5% cashback on train tickets booked on SmartBuy, up to ₹1,000 a month Product page
- 1% IRCTC transaction charge reversed on bookings, up to ₹1,000 a month Product page
- 8 complimentary IRCTC Executive Lounge visits a year (2 a quarter) at railway stations Terms
Eligibility
- Age 21 or above Product page
- Salaried: age 60 or below Product page
- Self-employed: age 65 or below Product page
- Indian nationality Product page
- Salaried: monthly income of ₹12,000 Product page
- Self-employed: income tax return above ₹6 lakh a year Product page
Not published by HDFC Bank in the documents read
- the card network
- a RuPay variant for UPI
- the foreign-currency markup (the MITC fee table does not tie a figure to this card in quotable text)
- airport lounge access
Where HDFC Bank’s documents differ, and what is used
- Welcome voucher: the product page offers ₹500 on activation; the card terms (29 May 2025) limit it to lifetime-free cards issued 1 Oct to 31 Dec 2025. The product page is used.
The quotes behind the figures
33 figures, each copied from an official HDFC Bank document.
Show every quote and source
“Joining Fee: ₹500 plus Applicable Taxes”
“Renewal Fee: ₹500 plus Applicable Taxes”
“Fee Waiver: Spend ₹1.5 lakh or more in a year before the renewal date to get the renewal fee waived .”
“Reward Points can be used only for redemption against train ticket booking via HDFC Bank SmartBuy where 1 Reward Point = Rs.₹1”
“5 Reward Point for every ₹100 spent on IRCTC ticketing website and Rail Connect App.”
“The accrual of the 5X Reward Points on partner IRCTC spends is capped maximum at 1000 Reward Points per month and 12000 Reward Points Annually.”
“5X Reward Points on IRCTC spends will be calculated as 1X base Reward Points + 4X additional Reward Points on IRCTC spends made through IRCTC Ticketing Website/ Rail Connect App and HDFC Bank SmartBuy”
“1 Reward Point for every INR 100 spent on all other spends*”
“Reward Points on grocery is capped maximum at 1000 Reward Points per month and 12000 Reward Points Annually”
“Minimum transaction value to be eligible for reward points is Rs. 100”
“Reward Points will NOT accrue for the following spend on the card. o Fuel Spends o Wallet loads / Gift or Prepaid Card load/ Voucher purchase o Cash Advances o Payment of Outstanding Balances o Payment of card fees and other charges o Government and Rental pay transactions (Property management services like rent, maintenance, packers &movers, etc ) o Education o Smart EMI / Dial an EMI transaction”
“Joining/Renewal Membership Fee - ₹500/- + Applicable Taxes”
“Spend ₹1,50,000 or more in a year, before your Credit Card renewal date and get your renewal fee waived off.”
“1 Reward Point = INR 1 (for transactions made through Points + Pay on HDFC Bank SmartBuy)”
“Redemption can be made only against 70% of fare ticket amount on train ticket booking via HDFC Bank SmartBuy, inclusive of fares of all the passengers and service charges levied by IRCTC.”
“Welcome Gift voucher will be provided for LTF (Lifetime Free Card) issued from 1st Oct'25 to 31st Dec'25, worth INR 500 on card activation”
“maximum at INR 1000 per month and INR 12000 Annually.”
“It is capped at maximum INR 1000 per month.”
“Reward points on UPI transactions will be capped at 500 per calendar month.”
“The maximum reward points that can be earned in a statement cycle for Times Platinum,Times Titanium, Tata Neu Plus*,IOCL,IRCTC*,Retailo,”
“On successful Points redemption HDFC Bank Credit Card will be charged Rs. 99 + GST on the credit card.”
“1% Fuel Surcharge waiver on fuel transactions (Minimum transaction of 400, Maximum transaction of 5,000 & Maximum waiver of 250 per statement cycle)”
“Welcome Gift voucher worth INR 500 on card activation by performing 1 transaction of any amount within first 37 days of card issuance.”
“Card issued from 1st Oct'25 onwards: Gift voucher worth INR 500 every calendar quarter on spends of INR 30,000 or more.”
“Additional 5% cashback on train ticket bookings via HDFC Bank SmartBuy”
“1% Transaction charges waiver on transactions done on IRCTC ticketing website and Rail Connect App”
“8 complimentary access to select IRCTC Executive Lounges every year (2 per quarter).”
“Age: 21 - 60 years”
“Age: 21 - 65 years”
“Nationality: Indian”
“Income (Monthly) - ₹12,000*”
“Annual ITR > ₹6 lakh”
“You can choose any of the following easy options to apply for your HDFC Bank Credit Card:”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with HDFC Bank or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is HDFC Bank’s own file from its website, unaltered, fetched 2026-10-15. Methodology