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Card2/4 on file
✓ Annual fee checked
HDFC Bank · Card

IRCTC HDFC Bank Credit Card

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The IRCTC HDFC Bank Credit Card is a credit card from HDFC Bank with an annual fee of ₹500, which HDFC Bank waives on this condition: “Renewal fee waiver on annual spends of ₹1,50,000 or more”. Here is what we hold on it, and what we do not.

Not every figure here is checked

Checked against a published document: annual fee (Sep 2026). Not yet checked with HDFC Bank: fee waiver condition and credit requirement. HDFC Bank’s own page is authoritative — confirm anything you rely on there before you apply.

Annual fee₹500can be waivedChecked hdfc.bank.in
Welcome offerNot confirmed
Apply on HDFC BankCompare this card
Opens HDFC Bank’s site
Ledger entry

The receipt

Every cost line we hold for the IRCTC HDFC Bank Credit Card, exactly as recorded.

Annual fee
₹500 (can be waived)Checked hdfc.bank.in
Fee waiver
Renewal fee waiver on annual spends of ₹1,50,000 or moreNot yet checked with HDFC Bank
Supplementary card
Not confirmed
Foreign transaction
Not confirmedNot published by the issuer where we checked ()
Purchase APR
Not confirmed
Income requirement
Not confirmed
Network
Not confirmed
Credit needed
NoneNot yet checked with HDFC Bank
Sign-up

The welcome offer

No welcome offer on file

We hold no published welcome offer for the IRCTC HDFC Bank Credit Card. That may mean there isn’t one, or simply that we have not recorded it — HDFC Bank’s own page is the place to check.

Rewards

What it earns

No earn rates on file

We hold no category earn rates for the IRCTC HDFC Bank Credit Card. Rather than print a multiplier we cannot source, this stays blank until HDFC Bank’s own terms give us one.

We couldn't verify this · check with the issuer
Included

Perks & benefits

Card benefits

  • 5 Reward Points per ₹100 spent on IRCTC ticketing website and Rail Connect App
  • Additional 5% cashback on train ticket bookings via HDFC Bank SmartBuy
  • 8 complimentary IRCTC Executive Lounge access per year (max 2 per quarter)
  • 1% transaction charge waiver on IRCTC ticketing website and Rail Connect App transactions
  • 1% Fuel Surcharge waiver (min transaction ₹400, max ₹5,000, max cashback ₹250 per statement cycle)
  • Renewal fee waiver on annual spends of ₹1,50,000 or more
  • Zero Cost Card Liability on fraudulent transactions
  • Quarterly milestone gift voucher worth ₹500 on spends of ₹30,000 or more
Next step

Ready to apply for the IRCTC HDFC Bank Credit Card?

You'll finish the application on HDFC Bank's own site. Terms can change without notice, so check the fee and offer there before you commit.

Apply nowOpens HDFC Bank’s site
Questions

Questions about the IRCTC HDFC Bank Credit Card

How much is the IRCTC HDFC Bank Credit Card annual fee?

The IRCTC HDFC Bank Credit Card has an annual fee of ₹500, which HDFC Bank waives on this condition: “Renewal fee waiver on annual spends of ₹1,50,000 or more”. Weigh that against the rewards and perks you will actually use.

What does the IRCTC HDFC Bank Credit Card earn?

We could not verify the IRCTC HDFC Bank Credit Card's earn rates, so we do not print a multiplier. Check them on HDFC Bank's own site.

What network is the IRCTC HDFC Bank Credit Card on?

We hold no card network on record for the IRCTC HDFC Bank Credit Card. The network determines where a card is accepted and which network-level benefits apply, so confirm it with HDFC Bank before you apply.

Is the IRCTC HDFC Bank Credit Card available in India?

Yes — the IRCTC HDFC Bank Credit Card is issued by HDFC Bank and is available to eligible applicants in India. Approval depends on the issuer's own credit and income criteria.

When were the IRCTC HDFC Bank Credit Card figures last checked?

We checked its annual fee in September 2026, against a published document. Not yet checked with HDFC Bank: fee waiver condition and credit requirement. Not published by HDFC Bank where we checked: foreign transaction fee. We could not verify, so we do not print: earn rates. Check them with HDFC Bank. Terms can change without notice, so confirm the current details with HDFC Bank before you apply.