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IRCTC HDFC Bank

IRCTC HDFC Bank

HDFC Bank
|
Lounge Access Rewards Travel

Annual Fee

₹500

Rewards/₹100 ⓘ

₹1.00 - ₹3.00

Normalized to balance base rate with bonus categories

Interest Rate

43.20%

Credit Score

700+

Quick Details

Annual Fee
₹500 #113
Joining Fee
₹500 #112
Interest Rate
43.20% p.a. #237
Forex Markup
3.50% #75
Rewards/₹100
₹1.00 - ₹3.00 #49
Reward Type Reward Points
Reward Currency Points
Domestic Lounge Visits
8/year #30
Min Credit Score
700+ #54
Min Monthly Income ₹NaN
Network RUPAY
Card Replacement Fee 100
Late Payment Fee
Cash Advance Fee 2.50% (min ₹500)
Card Replacement Fee ₹100
Fee Waiver on Spend ₹1,50,000/yr

Reward Structure

Partner

IRCTC Website & Rail Connect App

₹5.00 /₹100
Base

All Spends

₹1.00 /₹100
Cat

UPI Spends

₹1.00 /₹100

Reward Calculator

₹
Allocate by Category 100%
IRCTC Website & Rail Connect App
5.0 pts
50% ₹0
UPI Spends
1.0 pts
30% ₹0
Other Spends
1.0 pts
20% ₹0
Your Rewards
Points Earned 0
Cash Value ₹0
Breakdown
Quick amounts:

Milestone Benefits

Welcome Bonus

Rs 500 gift voucher on 1st transaction within 37 days of card issuance

₹500

value

Milestone

Rs 500 gift voucher on Rs 30,000 spend every 90 days

Spend ₹30,000 within 90 days

₹500

value

Airport Lounge Access

Domestic Free
8

visits per year

8 IRCTC Executive Lounge visits per year (2 per quarter) at select railway stations.

Insurance Coverage

Lost Card

₹0

Zero liability.

Fraud

₹0

Zero liability.

Category Rankings

See how this card performs in different spending categories compared to other cards.

Travel #11 /18
5.0000 pts/₹100 Top 62%

Quick Analysis

IRCTC HDFC Bank Credit Card is ideal for frequent train travelers offering 5% rewards on railway bookings and IRCTC lounge access. Perfect for those who travel by train regularly.

Pros

  • 5% rewards on IRCTC train bookings (5 RP per Rs 100)
  • 1% rewards on all other spends
  • 1 RP = Rs 1 redemption value on train tickets
  • 1% transaction charges waiver on IRCTC (max Rs 1,000/cycle)
  • 8 IRCTC Executive Lounge visits per year
  • Rs 500 welcome voucher on 1st transaction
  • Rs 500 voucher on Rs 30K spend every 90 days
  • Low fee of Rs 500, waiver at Rs 1.5L
  • RuPay variant for UPI rewards (500 RP/month cap)
  • 1% fuel surcharge waiver (capped Rs 250/cycle)
  • 5% additional cashback on SmartBuy train booking

Cons

  • Accelerated rewards capped at 1,000 points/month
  • Higher forex markup of 3.5%
  • Rs 99 + GST charged on reward redemption
  • Can only redeem against max 70% of ticket fare
  • 1% charge on utility spends over Rs 50K/month
  • 1% charge on wallet loads over Rs 10K/month
  • Limited to IRCTC lounge access only

Best For

Frequent train travelers, IRCTC users, railway commuters

Not Ideal For

International travelers, flight users, premium card seekers

Frequently Asked Questions

What are the fees for IRCTC HDFC Bank Credit Card?
The IRCTC HDFC Bank Credit Card has a joining fee of Rs 500 and annual fee of Rs 500. The annual fee can be waived on spending Rs 150,000 in the previous year.
What is the eligibility criteria for IRCTC HDFC Bank Credit Card?
To be eligible for the IRCTC HDFC Bank Credit Card, you need a minimum monthly income of up to Rs 20,000/month, age between 21-65 years, and a credit score of 700+. HDFC Bank customers with existing relationships may get preferential treatment.
What rewards does IRCTC HDFC Bank Credit Card offer?
The IRCTC HDFC Bank Credit Card earns reward points on all spending. Each reward point is valued at approximately Rs 1.00. Points can be redeemed for vouchers, merchandise, or travel bookings through the HDFC Bank rewards portal.
Does IRCTC HDFC Bank Credit Card offer airport lounge access?
Yes, the IRCTC HDFC Bank Credit Card provides complimentary airport lounge access. Please check the lounge access section above for detailed information on domestic and international lounge visits.
How can I apply for IRCTC HDFC Bank Credit Card?
You can apply for the IRCTC HDFC Bank Credit Card through HDFC Bank official website, mobile app, or by visiting your nearest HDFC Bank branch. Existing customers can also apply through net banking.

User Reviews

Our Rating

3.6
APPLY NOW

on HDFC Bank's website

Rating Breakdown

Rewards
4.0/5 Top 25%
Benefits
3.4/5
Fees
3.6/5 Top 48%
Value for Money
3.6/5 Top 32%
User Reviews
3.0/5 Top 50%

Important Links

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