HDFC IRCTC credit card credit card
Joining Fee:

₹500 +GST

Return Percentage:

1% to 3%

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Credit Card Overview

A co-branded IRCTC card from HDFC providing accelerated rewards on train ticket bookings, surcharge waivers, and benefits for frequent rail travelers.

Best Suited For: Travel Booking, Airline Transfer

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Fees and charges at a glance

Annual fee
₹500

Charged every year you keep the card

Joining fee
₹500

Paid once when you get the card, plus GST

Reward rate
1% to 3%

Depends where you spend

Forex markup
3.5%

Extra charge on foreign spends

Interest rate
45% p.a.

Only if you don't pay the full bill

Add-on card
Free

An extra card for family

HDFC IRCTC credit card — Benefits and Offers

Other benefits

  • SmartBuy

    5% cashback on booking IRCTC train tickets.

    Ongoing
    • This card provides an additional 5% cashback on booking IRCTC train tickets using HDFC Bank SmartBuy.
    How to use this
    1. To avail this benefit, book your train tickets on the IRCTC website or app. Pay using your HDFC IRCTC credit card through the HDFC SmartBuy portal to receive an additional 5% cashback on your bookings. For queries, contact HDFC customer care at 1800 267 4333.