CardIQIndia
Unverified draft. Fees, reward rates, and perks below are LLM-generated seed data pending admin verification. Cross-check on the bank's official page before relying on them.
28
#126 of 173 in credit
HDFC Bank

HDFC IRCTC Credit Card

creditRupayco-brandedProvisional score

Best suited for frequent train travelers providing reward points on ticket bookings.

Score breakdown

Data completeness: 55% · Last verified: 06 Jul 2026

Reward value6/100 · weight 65%
≈ 0.31% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +0.6% score bonus — earns broadly without narrow category restrictions.
Fee efficiency95/100 · weight 11%
Redemption flexibility75/100 · weight 8%
Perks19/100 · weight 8%
Devaluation risk70/100 · weight 8%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee
₹500 + 18% GST
= ₹590 total
Annual fee
₹500 + 18% GST
= ₹590 / year total
Waiver: Spend INR 1,50,000 in a year
Forex markup
3.5%

Lounge access

Domestic (per year)
4
International (per year)
0

Confirmed devaluation alerts

No confirmed devaluations tracked for this card. That doesn't mean none exist — see the neutral 70/100 devaluation-risk sub-score above.

Reward structure

CategoryTypeRateCapNotes
travelpoints1.25%(5 pts @ ₹0.25)—5 Reward Points per Rs. 100 spent on IRCTC ticket bookings
all_spendspoints0.25%(1 pts @ ₹0.25)—1 Reward Point per Rs. 100 spent on all other categories