HDFC Bank RuPay IRCTC Credit Card
HDFC Bank
Annual Fee
₹500
Joining Fee
₹500 + GST
Base Reward
1% points
Foreign Markup
3.5%
Fee Waiver
Waived on ₹1.5L annual spend
Interest Rate
3.75% per month (45% annually)
Welcome Benefits
Amazon Voucher Worth ₹500
Product Highlights
- 5X Reward Points on IRCTC spends
- 8 complimentary railway lounge access per year
- Amazon voucher worth ₹500 as a welcome benefit
Rewards
5X Reward Points on every ₹100 spent on IRCTC bookings and 1 Reward Point on every ₹100 for other valid spends. An additional 5% Cashback can be earned for rail bookings via SmartBuy.
Redemption
1 Cash Point = up to ₹1 against railway bookings through IRCTC.
Category Rewards
| Category | Reward Rate | Monthly Cap |
|---|---|---|
travel | 5%(5X Reward Points on IRCTC bookings) | No cap |
other | 1%(1 Reward Point on other valid spends) | No cap |
Benefits & Features
Domestic: 8 complimentary visits per year via IRCTC Executive Lounges (Maximum two visits each quarter.) Complimentary railway lounge access with up to 8 visits per year, limited to two visits each quarter. No airport lounge access is provided.
Fees & Charges
Eligibility
Min Age
21 years
Max Age
65 years
Available Networks
Pros & Cons
Pros
- Highly beneficial card for frequent travels with complimentary access to Executive Lounges of IRCTC (8 in a calendar year)
- 5 Reward Points on each ₹100 spent on the IRCTC website and app
- Additional 5% cashback on train ticket purchases through HDFC SmartBuy
Cons
- Minimum 100-point limit for redemption of rewards
- Reward points can only be used to purchase train tickets on the HDFC SmartBuy platform
Additional Info
Important: Cash Points can only be redeemed against railway bookings through the IRCTC app/website.
The card does not offer complimentary airport lounge access.
The renewal fee is waived only if the cardholder spends ₹1.5 lakhs or more in the previous anniversary year.
Accelerated Reward Points earning capped at 1,000 Reward Points each month.
Excluded Categories