HDFC IRCTC credit card credit card
Joining Fee:

₹500 +GST

Return Percentage:

1% to 3%

Apply Now

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

HDFC logoHDFC

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 — Lounge Access

Railway lounge

2 per quarterquarter
  • 8 complimentary IRCTC Executive Lounge access per year (max 2 per quarter).