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Overview Eligibility Features & Benefits Fees & Charges Documents FAQs Terms & Conditions

Product Overview

HDFC IRCTC

IRCTC HDFC Bank Credit Card is a co-branded travel credit card launched by HDFC Bank in partnership with IRCTC. It is specially designed for frequent train travelers and offers reward points on train ticket bookings, railway lounge access, transaction charge waivers, and additional cashback on SmartBuy bookings.

Great Rewards
Wide Acceptance
100% Digital & Secure

Eligibility Criteria

Applicant must be an Indian resident
Age: 21 to 60 years (Salaried)
Age: 21 to 65 years (Self-Employed)
Salaried or Self-Employed Individual
Annual Income: As per HDFC Bank eligibility norms
Good CIBIL Score (750+ preferred)

Features & Benefits

Welcome Gift Voucher worth ₹500 on eligible activation criteria
Earn 5 Reward Points per ₹100 spent on IRCTC Ticketing Website & Rail Connect App
Earn 1 Reward Point per ₹100 spent on other eligible purchases
Additional 5% Cashback on IRCTC bookings through HDFC Bank SmartBuy
1% Transaction Charge Waiver on IRCTC train ticket bookings
8 Complimentary Accesses to Select IRCTC Executive Lounges every year (2 per quarter)
Reward Points can be redeemed directly on IRCTC bookings
RuPay Credit Card with UPI payment support
Fuel surcharge waiver on eligible fuel transactions

Fees & Charges

Joining Fee: ₹500 + GST
Annual Fee: ₹500 + GST
Joining Fee: ₹500 + GST
Annual Fee: ₹500 + GST
Annual Fee Waiver: Spend ₹1.5 Lakh+ annually before renewal date
Interest-Free Period: Up to 50 days
Cash Advance Charges: 2.5% of amount withdrawn (minimum ₹500)
Reward Redemption Fee: ₹99 + GST per redemption request
Late Payment Charges: As per HDFC Bank policy
 

Documents Required

PAN Card (Mandatory)
Aadhaar Card / Passport / Driving Licence
Address Proof
Income Proof (Salary Slip / ITR / Form 16)
Bank Statements (Last 3–6 Months)
Passport-size Photograph (if required)

FAQs

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You earn 5 Reward Points for every ₹100 spent on IRCTC train ticket bookings.

Yes, the card offers 8 complimentary accesses to select IRCTC Executive Lounges every year (maximum 2 per quarter).

Yes, you get a 1% transaction charge waiver on IRCTC ticket bookings.

Yes, an additional 5% cashback is available on IRCTC bookings made through HDFC Bank SmartBuy.

Yes, the annual fee is waived if annual spending exceeds ₹1.5 lakh before the renewal date. 

Terms & Conditions

Reward Points are earned only on eligible transactions and are subject to HDFC Bank Reward Programme rules.
Railway lounge access is limited to 8 visits per year (2 per quarter).
Transaction charge waiver is applicable only on eligible IRCTC bookings.
Annual fee waiver is available on spending ₹1.5 lakh or more in a membership year.
Approval is subject to HDFC Bank's credit assessment and verification process. 

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Card At A Glance
Joining Fee ₹500 + GST
Annual Fee ₹500 + GST
Rewards Welcome Gift Voucher worth ₹500 on eligible activation criteria
Best For Shopping & Lifestyle
Network Visa / RuPay
Card Type HDFC BANK