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 — Earn Categories

Where you earn more

  • IRCTC via SmartBuyOnline · E-Commerce5 Cashpoints / ₹100

    A maximum of 1,000 Reward Points can be earned per month.|12,000 RPs per year for IRCTC spends.|Additional 5% cashback. · Minimum ₹100 per transaction

  • IRCTCTravel · Railways5 Cashpoints / ₹100

    A maximum of 1,000 Reward Points can be earned per month.|12,000 RPs per year for IRCTC spends. · 1% charge on this category · Minimum ₹100 per transaction

Everyday rate

  • Base Rewards1 CashPoint / ₹100

    Minimum ₹100 per transaction

1 more earning category on this card

We track all 4 of them, with the caps and conditions on each. See the full breakdown against your own spending in the app.

Open in the app

Earns nothing on these

Spends in these categories carry no rewards on this card.

  • EMI
  • Education
  • Utilities
  • Government
  • Wallets
  • Rent
  • Fuel
  • Jewellery