HDFC Bank RuPay IRCTC Credit Card

Designed for frequent train travelers with rewards on IRCTC bookings.

HDFC Bank RuPay IRCTC Credit Card
Issuer
HDFC Bank
Card type
Travel Card
Category
Travel
Joining fee
₹500 + GST
Annual fee
₹500 + GST
Rewards currency
Reward Points

Highlights

  • 5X Reward Points on IRCTC
  • Additional 5% Cashback via SmartBuy
  • Amazon Voucher Welcome Gift

Welcome, annual & renewal benefits

  • Joining/Annual Fee: ₹500 + GST.
  • Welcome Benefit: ₹500 Amazon Voucher.
  • Annual Fee Waiver on spends of ₹1,50,000.

Reward earning

Spend typeEarn rate
IRCTC Bookings5X Reward Points
Other Spends1 RP / ₹100
  • Redemption rate is 1 RP = ₹1
  • Additional 5% via Smartbuy
  • 1% transaction charge wavier on IRCTC website

Additional Benefits

  • 8 complimentary visits per year to IRCTC railway lounges

Review

A solid card for someone who uses IRCTC regularly. Out of IRCTC the card has no usecase.