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HDFC IRCTC Credit Card

HDFC Bank·RuPay·Co-Branded
4.1/ 5Read full review →
TravelLounge AccessBills
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Card ProfileReviewed by Vikram WarialaniLast verified 5 May 2026
HDFC IRCTC Credit Card
Annual fee₹500
CategoryTravel
Lounge access8 dom / yr
Fee waiver₹1,50,000

Key features

  • 5 reward points per INR 100 on IRCTC bookings
  • 8 complimentary domestic airport lounge visits/year
  • 8 complimentary IRCTC Executive Lounge visits/year
  • UPI-enabled RuPay card
  • 1% fuel surcharge waiver

Rewards

CategoryRateDetail
irctc5×5 reward points per INR 100 on IRCTC ticket bookings
dining3×3 reward points per INR 100 on dining, grocery, bill payments
Default earn rate1×All other eligible retail spends
Welcome bonus: ₹500 gift voucher on first transaction within 37 days of card issuance

Fees

Joining fee₹500
Annual feeWaived on annual spend of INR 1,50,000+₹500

Lounge access

Domestic8 visits / year
ProgrammeRailway + Airport lounge access

Eligibility

Min annual income₹3,00,000
Age21 – 65 years
EmploymentSalaried & self-employed
Worth comparing

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