IRCTC HDFC Bank Credit Card on HPCL
No. The IRCTC HDFC Bank Credit Card earns no rewards on HPCL.
On HPCL
0%
Other spends
1%
Rank for HPCL
#82 of 149
Annual fee
₹500 + Taxes
What to know before you pay on HPCL
How it works
5% on IRCTC train bookings (website or Rail Connect app), valuing points at ₹1 against IRCTC tickets. Booking through HDFC SmartBuy adds another 5% cashback, also capped at ₹1,000 a month.
Caps & rules
- 5 reward points per ₹100 on IRCTC ticketing website and Rail Connect app; accelerated points capped at 1,000 a month and 12,000 a year.
- 1 point per ₹100 on other spends.
- Extra 5% cashback on IRCTC bookings made through HDFC SmartBuy.
- Points are best redeemed against train tickets.
Reward limits
- 5% on IRCTC train bookings: max 1,000 points per calendar month
- 5% on IRCTC train bookings: max 12,000 points per year
- 1% on other spends: No limit
No rewards on
Fuel, rent, wallet loads, government payments, EMI (HDFC standard exclusions)
Checked 2026-10-11 · Bank terms
Cards that earn more on HPCL
-
#1
IDFC FIRST Power+ Credit Card
IDFC FIRST Bank · Free
5%
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#2
Kotak Cashback+ Credit Card
Kotak Bank · ₹750 + Taxes · Max ₹750 per statement cycle
3%
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#3
BOBCARD HPCL Energie Credit Card
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Where else the IRCTC HDFC Bank Credit Card earns more
Questions
Does the IRCTC HDFC Bank Credit Card give rewards on HPCL?
No. The IRCTC HDFC Bank Credit Card earns no rewards on HPCL.
Is there a limit on IRCTC HDFC Bank Credit Card rewards?
5 reward points per ₹100 on IRCTC ticketing website and Rail Connect app; accelerated points capped at 1,000 a month and 12,000 a year. 1 point per ₹100 on other spends. Extra 5% cashback on IRCTC bookings made through HDFC SmartBuy. Points are best redeemed against train tickets.
Which credit card is best for HPCL?
IDFC FIRST Power+ Credit Card is the best pick for regular spending on HPCL, with 5% back. The IRCTC HDFC Bank Credit Card ranks #82 of 149 cards we compared, by what each returns after caps.