Basic Information

Welcome Benefits All welcome benefits: ₹500 gift voucher on activation by making 1 transaction within 37 days of card issuance

Card Details Card Name: IRCTC HDFC Bank Credit Card
Bank Name: HDFC Bank
Card Type: Co-Branded Credit Card
Network: RuPay

Payment Network RuPay: RuPay

Eligibility Minimum Income Required: Salaried: Gross monthly income > ₹25,000; Self-employed: ITR > ₹6 lakh/year
Employment Type: Salaried / Self-Employed
Age Criteria: Salaried: 21–60 years; Self-employed: 21–65 years

Rewards Program

Reward Points Reward Rate: 5 Reward Points / ₹100 on IRCTC ticketing website & Rail Connect App; 1 Reward Point / ₹100 on other eligible spends
Reward Value: 1 Reward Point = ₹1 for eligible train-ticket redemption via HDFC Bank SmartBuy
Reward Expiry: 2 years from date of issuance

Cashback Cashback Rate: Additional 5% cashback on train-ticket bookings through HDFC Bank SmartBuy

Redemption Reward Redemption Options: Train-ticket booking via HDFC Bank SmartBuy; IRCTC voucher purchase via HDFC Bank SmartBuy/NetBanking
Redemption Fee: —

Milestone Rewards Milestone Benefit: ₹500 gift voucher every calendar quarter on spends of ₹30,000 or more
Annual Spend Benefit: Renewal fee waiver on annual spends of ₹1,50,000 or more

Travel Benefits

Railway Lounge Railway Lounge Access: 8 complimentary accesses to select IRCTC Executive Lounges per year, maximum 2 per quarter

Travel Offers Travel Booking Offers: Additional 5% cashback on train-ticket bookings through HDFC Bank SmartBuy

Forex Benefits International Offers: —

Shopping Benefits

Brand Offers Merchant Discounts: ₹1,000 cashback across 200+ brands through PayZapp

EMI Offers Merchant EMI: SmartEMI facility for converting eligible large purchases into EMI

Fuel Benefits

Fuel Savings Fuel Surcharge Waiver: 1% fuel surcharge waiver; eligible transaction ₹400–₹5,000; maximum waiver ₹250 per statement cycle

Fuel Rewards Fuel Reward Points: —

Insurance & Protection

Card Security Zero Liability Protection: Protection against fraudulent transactions when reported immediately to HDFC Bank's 24-hour call centre

Digital Features

Payments Contactless Payment (Tap & Pay): Contactless payments enabled
UPI on Credit Card: RuPay credit card can be linked to UPI

Banking Features Instant Card Control: Card controls through HDFC Bank NetBanking/MyCards, including domestic/international, online and contactless usage controls

Add-on Features

EMI Features EMI Conversion: Large purchases can be converted to SmartEMI after purchase

Fees & Charges

Joining Charges Joining Fee: ₹500 + applicable taxes

Annual Charges Annual Fee: ₹500 + applicable taxes
Annual Fee Waiver: Renewal fee waived on annual spends of ₹1,50,000 or more before renewal date

EMI Charges EMI Facility: Large transactions can be converted to SmartEMI after purchase

Forex Charges Forex Markup Fee: —

Customer Support

Service 24×7 Customer Support: HDFC Bank 24-hour call centre available for reporting fraudulent transactions

Performance & Ratings

Best Usage Best For: Railway travel, IRCTC ticket bookings, railway lounge access, fuel savings and general rewards

Advantages Pros: 5X rewards on eligible IRCTC ticket bookings, 5% SmartBuy cashback, 8 railway lounge visits/year, 1% IRCTC transaction-charge waiver, fuel surcharge waiver, quarterly vouchers, UPI support

Limitations Cons: IRCTC 5X rewards are subject to monthly/annual caps; several categories such as fuel, wallet loading, government, education, rent, cash advance and certain EMI-related transactions are excluded from reward accrual