IRCTC HDFC Bank Credit Card

HDFC Bank · ₹500 a year · fee waived on ₹1,50,000 of annual spend

For regular train travellers.

Base rate: 1% as Reward Point.

What the bank says

• 5 reward points per ₹100 on IRCTC tickets
• 1 reward point per ₹100 on other spends
• 8 IRCTC executive lounge visits a year
• 1% IRCTC transaction charge waived

Where it pays more

• 5% on IRCTC train tickets (5 points per ₹100)

Things that catch people out

• Points can only be used for train tickets on HDFC Bank SmartBuy, for up to 70% of the fare.
• We assume half of your travel spending is on IRCTC.

Joining fee: ₹500. Foreign currency markup: not published.

Read from HDFC Bank’s own page on 2026-09-16.

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