HDFC Bank
HDFC Bank RuPay IRCTC Credit Card
Annual Fee
₹590₹500 + GSTBase Reward
1% points
Foreign Markup
3.5%
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
Category Rewards
travel
5X Reward Points on IRCTC bookings
5X
Specialty
1 Reward Point on other valid spends
1X
Fee Waiver
Waived on ₹1.5L annual spend
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
IRCTC website
★ 5 RP per ₹100 on IRCTC website & Rail Connect App
Rail Connect App
★ 5 RP per ₹100 on IRCTC website & Rail Connect App
Reward Calculator
Earns ₹160/year (net)
Modest gain. Solid hold if you like the perks.
₹13K
across all your buckets
3K
HDFC Reward Points
₹750
via statement credit · ₹0.25/pt
Effective rate
0.48%
Annual fee
₹590
Year 1 net
+₹160
Year 2+ net
+₹160
ongoing
Adjust your spend by reward bucket
2 bucketsSurcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Excluded from rewards
fuel, wallet, cash advance, emi, government, rent
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
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.
- 1 Cash Point = up to ₹1 against railway bookings through IRCTC.
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.
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
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Min Age
21 yrs
Networks
Fee Waiver
Waived on ₹1.5L annual spend