CardAgent
Verified by CardAgent admin · last checked 08 Jul 2026
HDFC Bank

HDFC IRCTC Credit Card

33
Ranked #72 of 170 in credit
creditRupayco-branded

HDFC-IRCTC co-branded card built specifically for train travelers, offering strong accelerated rewards on IRCTC bookings and railway lounge access at a very low annual fee, though general spending value is limited.

Score breakdown

Data completeness: 95% · Last verified: 09 Jul 2026

Reward value21/100 · weight 71%
≈ 1.05% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +0.1% score bonus — earns broadly without narrow category restrictions.
Fee efficiency95/100 · weight 12%
Redemption flexibility75/100 · weight 9%
Perks0/100 · weight 9%

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: Renewal fee waived on annual spend of Rs 1.5 lakh
Forex markup
3.5%

Lounge access

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

Reward structure

CategoryTypeRateCapNotes
railwaypoints5.00%(5 pts @ ₹1.00)₹1,00,000 / monthly5 RP/Rs 100 on IRCTC bookings, capped 1,000 pts/month; plus additional 5% cashback via SmartBuy
travelpoints1.25%(5 pts @ ₹0.25)—5 Reward Points per Rs. 100 spent on IRCTC ticket bookings
all_spendspoints1.00%(1 pts @ ₹1.00)—1 RP/Rs 100 other spends

Welcome offer

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

Milestone benefits

Pros

  • High 5% effective value-back on IRCTC bookings via reward points + additional 5% SmartBuy cashback
  • 1% IRCTC transaction charge waiver
  • 8 railway lounge visits/year at very low Rs 500 fee — strong value density for frequent train travelers
  • also available on RuPay for UPI use

Cons

  • Low 1% base reward rate outside IRCTC bookings
  • no airport lounge access
  • railway lounge availability can be patchy at smaller stations (per reviewer reports)
  • reward points require min 100-point balance to redeem, capped at 70% of fare value

What's inside

More benefits

  • Railway lounge access

    Complimentary railway lounge visits for IRCTC co-brand cardholders

    quarterly. Verify at MITC

Insurance cover

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Eligibility

text
Age 21-60 (salaried), 21-65 (self-employed); salaried min income Rs 25,000/month (some sources cite Rs 15,000), self-employed ITR > Rs 6 lakh/annum

Small print

Fuel surcharge:1% fuel surcharge waiver on Rs 400-Rs 5,000 transactions, capped Rs 250/statement cycle