IRCTC HDFC Bank Credit Card on IndianOil

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)