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HDFC Bank

HDFC Bank IRCTC Credit Card

Best for rail travellers, IRCTC

₹500/yr annual fee

Visa

By FinWiz24 Research Desk · Last reviewed · How we review

FinWiz24 Research Desk

FinWiz24 Research Desk

Verified independently against issuer Terms & Conditions

Editorial Team

Annual fee

₹500/yr

Reward rate

Not published

Min. income

₹1,50,000

Forex markup

Not published

Lounge access

Domestic only

Eligibility

₹1.50 lakh/yr · CIBIL 650+

Reward cap

₹500/month

Welcome benefit

None beyond the reward rate

Who is this for

  • Rail enthusiast
  • Frequent train traveler

What we like

  • 5% cashback on rail bookings
  • Low annual fee

Watch out for

  • Rs 500 late-payment fee

Issuer

Bank

HDFC Bank

Private sector bank

All HDFC Bank cards →

Headquarters

Mumbai, Maharashtra

Established 1994

Toll-free

1800-202-6161

Customer care: 1860-267-6161

Website

www.hdfcbank.com

Network

Visa

See all cards on this network

Fees and charges

Fee Amount Waiver
Joining fee ₹500 Not waivable
Annual fee ₹500 Waived on Rs 2 lakh annual spend
Late payment ₹500 Not waivable

Rewards

Spend category Rate Cap Redemption
TRAVEL 5.00 ₹500/month 1.00
All spends 1.00 No cap 1.00

Benefits

  • Domestic lounge access Highlight

    Complimentary domestic airport lounge access

  • Railway lounge access Highlight

    Complimentary railway lounge access

  • Fuel surcharge waiver

    1% waiver on fuel transactions Rs 500-3,000

Eligibility

Age
18–70 years
Min. income
₹1,50,000
Min. credit score
650+
Score note
Stable income
Employment
Salaried, self-employed
Documents
PAN, Aadhaar, salary slips / ITR

HDFC Bank IRCTC Credit Card is a VISA credit card from HDFC Bank. It is best suited for rail travellers, IRCTC.

Fees and rewards

  • Annual fee: Rs 500
  • Joining fee: Rs 500
  • Rewards: 5% cashback on IRCTC rail bookings; 1% on all other spends

Eligibility

PAN, Aadhaar, salary slips / ITR

Card data compiled from issuer published fee schedules. Status: active.

Apply for HDFC Bank IRCTC Credit Card

Last reviewed · How we review

FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.

Check your eligibility → Compare this card →

Cards with similar benefits, rewards, or eligibility requirements.

Frequently asked questions

Is the HDFC Bank IRCTC Credit Card worth it?
HDFC Bank IRCTC Credit Card is a credit card issued by HDFC Bank. Whether it is worth it depends on your monthly spend pattern and whether the annual fee (if any) is waivable. Compare the fee and reward rate on this page against your expected annual spend to make an informed decision.

What is the annual fee for the HDFC Bank IRCTC Credit Card?
HDFC Bank IRCTC Credit Card charges ₹500 as the annual fee. Most issuers waive it on minimum annual spends — check the fee tile on this page for the waiver condition.

How does the HDFC Bank IRCTC Credit Card reward rate work?
HDFC Bank IRCTC Credit Card earns structured rewards that vary by spend category. Check the rewards tile on this page for the full multiplier schedule.

What are the eligibility requirements for the HDFC Bank IRCTC Credit Card?
To qualify for HDFC Bank IRCTC Credit Card, you typically need: minimum annual income ₹1,50,000; CIBIL score of 650+; Salaried / self-employed only. The eligibility tile on this page has the full published criteria.

Does the HDFC Bank IRCTC Credit Card offer airport lounge access?
Complimentary domestic airport lounge access; Complimentary railway lounge access

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Disclaimer: Card details are based on publicly available issuer schedule of charges. Eligibility and approval are at the issuer’s sole discretion. FinWiz24 does not guarantee card approval or specific terms. Always read the issuer’s terms and conditions before applying.

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