HDFC

HDFC IRCTC Credit Card

Apply for HDFC IRCTC Credit Card for 5 RP per ₹100 on IRCTC, 8 railway lounges, 5% cashback via SmartBuy & fee waiver. Best for train travellers.

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Issued by

HDFC

HDFC IRCTC Credit Card image
Joining Fee₹500
Annual Fee₹500
Income₹25000
Credit Score720

Key Highlights

Earn 5 Reward Points per ₹100 on IRCTC Bookings

on every eligible spend made via the IRCTC ticketing website and IRCTC Rail 1 Reward Point = ₹1 at redemption against train bookings via HDFC Bank SmartBuy

Travel

Earn 5 Reward Points per ₹100 on IRCTC Bookings

on every eligible spend made via the IRCTC ticketing website and IRCTC Rail 1 Reward Point = ₹1 at redemption against train bookings via HDFC Bank SmartBuy

Get Additional 5% Cashback on Train Ticket Bookings

on all train ticket bookings made through HDFC Bank SmartBuy using the card, capped at 70% of the total fare

Enjoy Complimentary Access to IRCTC Executive Lounges

at select railway stations across India, to relax in comfort before your journey

Travel

Get Additional 5% Cashback on Train Ticket Bookings

on all train ticket bookings made through HDFC Bank SmartBuy using the card, capped at 70% of the total fare

Travel

1% Transaction Charge Waiver

on IRCTC bookings via IRCTC website/app, Rail Connect, and HDFC Bank SmartBuy (capped at ₹1,000/month)

Eligibility

Age Criteria21-60

Applicants must be between 21 and 60 years at the time of application.

Credit Score720

A CRIF score of 700 or above is required as per the bank’s eligibility criteria.

Salaried Income₹3 LPA

Minimum Annual Income of ₹3 LPA is required to apply for the HDFC IRCTC Credit Card, as per bank eligibility.

Self-employed Income₹6 LPA

Minimum Annual ITR of ₹6 LPA is required to apply for the HDFC IRCTC Credit Card, as per bank eligibility.

Employment TypeSelf Employed, Salaried
New to CreditEligible

Fees & Waivers

Joining Fee₹500

A one-time joining fee is charged at the time of card issuance as per the bank’s policy.

Joining Fee OffsetJoining fee is offset through a ₹500 gift voucher on card activation.
Annual Fee₹500

The annual fee is charged every year and may be waived if you meet the bank’s spending conditions.

Annual Fee WaiverThe annual fee is waived if you spend ₹1.5 lakh or more in a year on your card, as per bank policy.
Estimated Annual Saving₹5000

Rewards & Redemption

Reward Conversion 1 Reward Point = ₹1
Redemption Options

  • IRCTC train ticket bookings via HDFC Bank SmartBuy 

     

Earning ExclusionsFuel Spends, Wallet Loads, Gift Vouchers, Rent Payments, Education Spends, Cash Advances
Spend ExclusionsFuel Spends, Wallet Loads, Gift Vouchers, Rent Payments, Education Spends, Cash Advances

Benefits

All Benefits

  • Earn 5 Reward Points for every ₹100 spent on the IRCTC ticketing website and Rail Connect App; 1 RP = ₹1 at redemption via SmartBuy
  • Get an additional 5% cashback on train ticket bookings made via HDFC Bank SmartBuy, capped at 70% of the total fare
  • Save with a 1% transaction charges waiver on all bookings made via the IRCTC website and Rail Connect App
  • Enjoy complimentary access to select IRCTC Executive Lounges at partner railway stations across India
  • Earn a ₹500 gift voucher every calendar quarter on eligible spends of ₹30,000 or more, plus up to 50 days of interest-free credit on retail purchases

Welcome Benefits

  • Get a gift voucher worth ₹500 upon activating the card

Railway Benefits

  • Get Additional 5% Cashback on Train Ticket Bookingson all train ticket bookings made through HDFC Bank SmartBuy using the card
  • 1% transaction surcharge waiver on train bookings via IRCTC or SmartBuy
  • Maximum waiver of ₹1,000 per month

Railway Lounge Benefits

  • Enjoy complimentary access to select IRCTC Executive Lounges at partner railway stations across India, subject to IRCTC's lounge

Fuel Surcharge Waiver Benefits

  • 1% fuel surcharge waiver on transactions between ₹400–₹5,000
  • Maximum waiver of ₹250 per statement cycle

Insurance Benefits

  • Zero cost liability on fraudulent transactions if reported immediately to HDFC Bank’s 24-hour call centre

Milestone Benefits

Minimum Spend₹30000
Within90 days
Voucher Bonus₹500

Documents

PAN Card
Aadhaar Card or valid address proof
Latest salary slips or income proof
Recent bank statements

Terms

The bank may offer a different card variant based on your eligibility. Please carefully read the features of the card offered before submitting your application
A minimum transaction of Rs.100 within 30 days is required to activate the card, otherwise, you won’t be eligible for the Rewards

FAQ

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