IRCTC HDFC Bank Credit Card on IRCTC
Yes. The IRCTC HDFC Bank Credit Card gives 5% back when you pay on IRCTC directly, compared with 1% on its other spends.
On IRCTC
5%
Other spends
1%
Rank for IRCTC
#5 of 149
Annual fee
₹500 + Taxes
What to know before you pay on IRCTC
Cap on IRCTC
Max ₹1,000 a month (1,000 bonus points a month, 12,000 a year)
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 IRCTC
-
#1
IRCTC SBI Card Premier
SBI Card · ₹1,499 + Taxes
10%
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#2
6.67%
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#3
YES Bank POP CLUB Credit Card
YES Bank · Free · No cap
5%
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Questions
Does the IRCTC HDFC Bank Credit Card give rewards on IRCTC?
Yes. The IRCTC HDFC Bank Credit Card gives 5% back when you pay on IRCTC directly, compared with 1% on its other spends.
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 IRCTC?
IRCTC SBI Card Premier gives the most on IRCTC, 10% back. The IRCTC HDFC Bank Credit Card ranks #5 of 149 cards we compared.