IRCTC HDFC Bank Credit Card
Fees
₹500 + Taxes
Joining & annual
Reward Rate
5 Reward Points per ₹100 on IRCTC website & Rail Connect app (5% value); 1 point per ₹100 elsewhere
Welcome Bonus
₹500 IRCTC voucher + 500 bonus CashPoints on fee payment
Lounge
8 Railway Lounges/yr (2/Qtr)
Our 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.
Reward limits
Checked 11 Oct 2026 · Bank terms
-
5% on IRCTC train bookings
Max 1,000 points per calendar month
Reached after about ₹20,000 of spend
-
5% on IRCTC train bookings
Max 12,000 points per year
Reached after about ₹2,40,000 of spend
-
1% on other spends
No limit
Where this card earns most
Paying directly in the app or site · 1% on other spends
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
- 8 complimentary railway executive lounge visits per year across India (2 per quarter)
- ₹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 2 visits per quarter
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
8 complimentary access passes to Railway Executive Lounges per calendar year (2 per quarter)
₹500 gift voucher on completing ₹30,000 spends within 90 days of card issuance
Spend milestone
₹500 gift voucher on achieving ₹30,000 quarterly spend milestone
Spend milestone
Annual fee waived on retail spends of ₹1.5 Lakh in a membership year
Fees & Charges
Joining fee
₹500 + Taxes
Annual fee
₹500 + Taxes
Annual fee waived on ₹1.5 Lakh annual retail spends
Interest rate
3.6% per month (43.2% per annum)
Late payment fee
- Up to ₹500
- Nil
- ₹501 to ₹1,000
- ₹500
- ₹1,001 to ₹5,000
- ₹600
- ₹5,001 to ₹10,000
- ₹750
- ₹10,001 to ₹25,000
- ₹900
- ₹25,001 to ₹50,000
- ₹1,100
- Above ₹50,000
- ₹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
Credit score & income
Good (720+)
Frequently Asked Questions
How many railway lounge visits does IRCTC HDFC actually offer?
What's the reward rate for IRCTC bookings?
Is there a transaction charge waiver on IRCTC HDFC?
Does the ₹500 welcome voucher have conditions?
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 Reward Points per ₹100 on IRCTC website & Rail Connect app (5%... | 8 Railway Lounges/yr (2/Qtr) | 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 |