IRCTC HDFC Bank Credit Card
Issued by HDFC Bank Ltd
The IRCTC HDFC Bank Credit Card is a co-branded card issued by HDFC Bank for rail travellers, earning reward points on IRCTC ticket bookings. It has a joining and renewal fee of ₹500 plus taxes, with the renewal fee waived on annual spends of ₹1,50,000. It suits people who book train tickets regularly on IRCTC.
Joining fee
₹500
Annual fee
₹500
Fee waiver
Renewal fee waived on spends of ₹1,50,000 or more in a year before the renewal date (fees exclude applicable taxes)
Finance charge
45% p.a.
As of 9 Nov 2026, from the issuer's official website. Final terms depend on your profile.
Check eligibility & apply →Key benefits
- 5 Reward Points per ₹100 spent on the IRCTC ticketing website and Rail Connect app (capped at 1,000 points per month)
- 1 Reward Point per ₹100 on other spends
- 1% transaction charge waiver on IRCTC website and Rail Connect app bookings
- Additional 5% cashback on train ticket bookings via HDFC Bank SmartBuy
- 1% fuel surcharge waiver on transactions of ₹400 to ₹5,000 (max ₹250 per statement cycle)
- Up to 50 days interest-free credit from the date of purchase
Best for
Frequent IRCTC train bookers
Pros
- Rewards targeted at IRCTC rail bookings
- Low monthly income requirement for salaried applicants
- Renewal fee can be waived through spending
Cons
- Reward points can be redeemed only against train tickets via HDFC Bank SmartBuy
- Points redemption covers up to 70% of the ticket fare
- Finance charges of 3.75% per month (45% p.a.) if a balance is carried
Eligibility
- Indian national
- Salaried: age 21-60, monthly income ₹12,000
- Self-employed: age 21-65, annual ITR above ₹6 lakh
Documents required
- Identity proof: PAN, Aadhaar, passport, voter ID or driving licence
- Address proof: utility bill, rental agreement, passport, Aadhaar or voter ID
- Income proof: salary slips, ITR, Form 16 or bank statements
- Passport-size photographs
Frequently asked questions
What is the fee for the IRCTC HDFC Bank Credit Card?
HDFC Bank lists a joining fee and renewal fee of ₹500 each plus applicable taxes. The renewal fee is waived if you spend ₹1,50,000 or more in the year before the renewal date.
How can I use IRCTC HDFC Bank reward points?
Reward Points can be redeemed only against train ticket bookings via HDFC Bank SmartBuy at 1 Reward Point = ₹1, for up to 70% of the ticket fare.
Who can apply?
Indian salaried applicants aged 21-60 with a monthly income of ₹12,000, or self-employed applicants aged 21-65 with an annual ITR above ₹6 lakh.
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