IRCTC HDFC Bank Credit Card
Fees
₹500 + Taxes
Joining & AnnualReward Rate
5 CashPoints per ₹100 spent on IRCTC website & mobile app
Welcome Bonus
₹500 IRCTC voucher + 500 bonus CashPoints on fee payment
Lounge Access
4 Railway Lounges/yr
FindMyCard Expert Take
The IRCTC HDFC Bank Credit Card delivers 5 CashPoints per ₹100 on IRCTC ticket bookings, 1% transaction fee waiver, and complimentary railway executive lounge access.
Pros & Cons
Key Advantages
- 5 CashPoints per ₹100 spent on train ticket bookings via IRCTC app/website
- 1% transaction charges waiver on IRCTC website and ticketing portals
- 4 complimentary railway executive lounge visits per year across India
- ₹500 gift voucher welcome benefit fully offsets joining fee
Limitations
- 1 CashPoint per ₹100 on general non-IRCTC spending
- Monthly cap on 5 CashPoints earn rate on IRCTC bookings
- Railway lounge access capped at 1 visit per quarter
Editorial Verdict
The IRCTC HDFC Bank Credit Card is ideally suited for frequent railway travelers & irctc ticket bookings. If you want 5 cashpoints per ₹100 spent on irctc website & mobile app, this card delivers real value. The ₹500 + taxes is easily offset by the card's perks if you use it regularly. You'll generally need Good (720+) credit to be approved.
Key Perks & Spending Milestones
5 CashPoints per ₹100 spent on IRCTC website and mobile ticketing app (max 1,000 CashPoints/month)
1 CashPoint per ₹100 spent on all other retail purchases
1% transaction charge waiver on train ticket bookings via IRCTC website/app
4 complimentary access passes to Railway Executive Lounges per calendar year (1 per quarter)
₹500 gift voucher on completing ₹30,000 spends within 90 days of card issuance
🚀 Milestone Spends Timeline
₹500 gift voucher on achieving ₹30,000 quarterly spend milestone
Annual fee waived on retail spends of ₹1.5 Lakh in a membership year
Fees & Charging Rates
Annual Fee Waivers
₹500 + Taxes
💡 Annual fee waived on ₹1.5 Lakh annual retail spends
Regular Interest Charges
3.6% per month (43.2% per annum)
📅 Late Payment Fee Penalty Tiers
| Outstanding Balance Amount | Late Payment Fee Penalty |
|---|---|
| up to 500 | Nil |
| 501 to 1000 | ₹500 |
| 1001 to 5000 | ₹600 |
| 5001 to 10000 | ₹750 |
| 10001 to 25000 | ₹900 |
| 25001 to 50000 | ₹1,100 |
| above 50000 | ₹1,300 |
Insurance & Protection Benefits
air accident cover
Nil
lost card liability
Up to ₹50,000
purchase protection
Nil
emergency medical cover
Nil
Eligibility Criteria
salaried minimum income
₹12,000 per month
self employed ITR
₹6 Lakh per annum
age
21 to 60 years
Compare IRCTC HDFC Bank Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| IRCTC HDFC Bank Credit Card This Card | ₹500 + Taxes | 5 CashPoints per ₹100 spent on IRCTC website & mobile app | 4 Railway Lounges/yr | 4.3/5 |
| HDFC Infinia Credit Card Metal Edition | ₹12,500 + Taxes | 5 reward points per ₹150; up to 10X on SmartBuy flight/hotel bookings | Unlimited Domestic + International | 4.9/5 |
| Axis Bank ATLAS Credit Card | ₹5,000 + Taxes | 5 EDGE Miles per ₹100 on travel; 2 EDGE Miles per ₹100 on general spends | 8 Domestic + 4 International/yr | 4.8/5 |
| Axis Bank Burgundy Private Credit Card | ₹50,000 + Taxes | 15 EDGE Reward points per ₹200 spent on retail and international... | Unlimited Domestic + International | 4.8/5 |