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1st Year Fee: ₹500* Plus Applicable Taxes
Co-branded
5% cashback on IRCTC train tickets
Travel
5X rewards on train bookings
Lounge Access
8 railway lounge visits per year
Author: Shruti Sharma
Save 5% on Train Tickets via IRCTC
Apply online now for IRCTC HDFC Bank Credit Card!
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IRCTC HDFC Bank Credit Card is a co-branded travel credit card designed for frequent travellers who prefer to travel by train and make bookings through IRCTC. Cardholders can earn 5% value back through reward points on train ticket bookings via IRCTC, along with an additional 5% cashback on IRCTC bookings made through the SmartBuy portal.
While SBI’s IRCTC Platinum variant charges a similar annual fee, this HDFC Bank Credit Card stands out as it not only offers accelerated rewards on IRCTC spends but also allows cardholders to redeem the rewards against train ticket bookings through the SmartBuy portal at a 1:1 ratio. This benefit helps consumers save on their travel expenses while also offering a higher number of railway lounge visits.
Besides rewards and cashback, frequent train travellers can also avail 8 complimentary railway lounge visits every year and 1% transaction charge waiver on IRCTC bookings. Additionally, welcome benefits worth the joining fee and milestone benefits further enhance the overall value of this card.
Note: This Card is not available on Paisabazaar. The content on this page is for information only. To express interest in this card, please visit HDFC Bank’s website.
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PB Pass ensures you still get to try the premium airport experience. Get a chance to unlock your PB Pass for a free lounge visit by paying your credit card bill via Paisabazaar*.
Rewards Program
Cashback


Railway Lounge Access
Transaction Charge Waiver
Welcome Benefit
Milestone Benefit
Fuel Benefit
Annual Fee Waiver
| Fee Type | Amount | ||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining Fee | Rs. 500 + Taxes | ||||||||||||||||
| Annual Fee | Rs. 500 + Taxes | ||||||||||||||||
| Finance Charges | 3.75% p.m. | 45% p.a. | ||||||||||||||||
| Late Payment Charges |
|
You frequently travel via train and prefer to make bookings through IRCTC
You are looking for a low annual fee credit card
You want to earn reward points on railway ticket bookings and other everyday spends
You prefer redeeming accumulated reward points for train ticket bookings to maximize benefits
Age: 21 to 65 years
Occupation: Salaried or Self-employed
Income: Rs. 15,000 per month for Salaried
Income: Rs. 6 LPA for Self-employed
Travel3.0/5
Rewards3.0/5
Co-branded Benefits3.5/5
With this card, you can earn 5% value back in the form of reward points on IRCTC train ticket bookings and an additional 5% cashback on bookings made via SmartBuy. In addition to this, the card offers complimentary railway lounge access and a transaction charge waiver, further enhancing the overall value for frequent travellers.
Everything you need to know about this credit card
Click here to know More Terms and Conditions
Shruti Sharma is a skilled content writer with a passion for simplifying personal finance for consumers. Specializing in credit cards and financial planning, she offers valuable insights that empower individuals to make informed financial choices. Through her writing, she shares practical tips and guides readers through the nuances of credit card usage.
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