IRCTC HDFC Bank Credit Card
Now tracking
Rail-travel co-brand: points worth ₹1 each on IRCTC train tickets, 1% IRCTC transaction charge reversed (max ₹1,000 a month), 8 IRCTC Executive Lounge visits a year and a ₹500 voucher each quarter on ₹30,000 spend.
- Welcome offer
- None verified for paid cards (a ₹500 voucher applied to lifetime-free cards issued Oct–Dec 2025)
- Annual fee
- ₹590 a year incl. GST (₹500 + GST; renewal waived at ₹1.5 lakh annual spend)
- Rewards rate
- 5 Reward Points per ₹100 on IRCTC website/app and SmartBuy; 1 per ₹100 elsewhere (1 RP = ₹1 on train tickets via SmartBuy)
- Regular APR
- Interest is charged monthly; see the bank's fees page
- Recommended CIBIL score
- CIBIL 700+
- Airport lounges
- IRCTC Executive Lounges (railway stations), not airport. 8 a year (max 2 per quarter). Not stated.
- Points go to
- IRCTC HDFC Reward Points. Reward points on the IRCTC HDFC card, worth ₹1 each against IRCTC train tickets booked via HDFC SmartBuy (min 100 points).
PointsVista's opinion, not financial advice. Offers shown are public offers as of the last check; the offer you see when you apply may differ and approval isn't guaranteed. Confirm terms on the issuer's application page. Trademark notice: all card names, logos, trademarks and card designs are the property of their respective owners. This site is independently operated and is not affiliated with, endorsed by or sponsored by the card issuers unless expressly stated otherwise. Links go to other sites we don't control; a link isn't an endorsement. Full disclosures.