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HDFC Bank IRCTC card

HDFC Bank

HDFC Bank IRCTC

Lifetime free
Annual fee₹0

Verified 9 Sep 2026

Fees & charges

Joining fee₹0 (currently a limited-period offer; regular ₹500 + GST)
Annual / renewal feeCurrently ₹0 under a limited-time offer; ₹500 + GST standard renewal fee otherwise
Fee waiverOnce the current offer ends, the ₹500 + GST renewal fee is waived on ₹1.5L+ spend in a year, before your renewal date

Why this card

  • 5 Reward Points per ₹100 on IRCTC ticketing website and Rail Connect App bookings
  • Reward points redeem only for train tickets via HDFC Bank SmartBuy — 1 point = ₹1, capped at 70% of the fare (inclusive of all passengers and IRCTC service charges)
  • Additional 5% cashback on train bookings via HDFC Bank SmartBuy
  • 1% transaction-charge waiver on IRCTC ticketing website and Rail Connect App bookings
  • IRCTC executive lounge access (visit count and eligibility not specified on HDFC’s own page)
  • ₹500 gift voucher on card activation, plus another ₹500 every calendar quarter on ₹30,000+ spend
  • 1 Reward Point per ₹100 on all other spends; 1% fuel surcharge waiver at all fuel stations
  • ₹1,000 cashback across 200+ brands via PayZapp

Card servicing

  • Credit Card Management & Controls
  • SmartEMI Conversion
  • Contactless Payment
  • MyCards

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Card names, fees and figures shown are illustrative; verify current terms with HDFC Bank directly before applying.