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REWARD POINTS CARD

IRCTC HDFC Bank Credit Card

HDFC Bank

Earns 5 Reward Points per ₹100 on IRCTC train bookings and 1 per ₹100 on other spends, with ₹500 vouchers on welcome and on ₹30,000 quarterly spends, 8 IRCTC Executive Lounge visits a year and a 1% fuel surcharge waiver.

Points redeem only on SmartBuy train tickets (1 RP = ₹1, up to 70% of fare, ₹99 + GST per redemption). 5X accrual is capped at 1,000 RP a month. Fuel, wallet, rent, government and education spends earn no points.

IRCTC HDFC Bank Credit Card
ANNUAL FEE
₹500 + GST
JOINING FEE
₹500 + GST
REWARDS
Not stated
Earning terms not yet recorded
KEY BENEFIT
5 Reward Points per ₹100 spent on train bookings via the IRCTC website and Rail Connect app
BEST FOR
Included: May suit cardholders who book train tickets on IRCTC or SmartBuy and could reach ₹1,50,000 yearly spend for the.
Included: May suit those who regularly book train tickets on the IRCTC website, Rail Connect app or SmartBuy
Included: May suit those who use IRCTC Executive Lounges at railway stations, up to 2 visits a quarter
Included: May suit those spending ₹30,000 or more in a calendar quarter, to receive the ₹500 gift voucher
Limitation: Spends on fuel, wallet loads, rent, government or education may wish to compare other cards.
Limitation: Those whose main spends are fuel, rent, wallet loads or government payments may wish to compare other cards.
Limitation: Those wanting flexible redemption may wish to compare other cards.
Limitation: Those who want no annual fee may wish to compare other cards.
Typical fit only. This is not personalised advice and not an indication of approval.
GOOD TO KNOW
Condition: Reward Points redeem only against train ticket bookings on HDFC Bank SmartBuy, up to 70% of the fare; minimum 100 points.
Condition: The ₹500 gift voucher needs ₹30,000 or more of retail spends in a calendar quarter; cash and EMI-type transactions are not counted.

Rewards & real value

What the card earns, and what changes that figure in practice.
WHAT THE CARD EARNS
EVERYTHING ELSE
Not stated
No earning rate recorded for this card
REWARD POINT VALUE
Not stated
Effective return cannot be calculated without it

Eligibility

Minimum income
Not stated
Minimum age
21
Maximum age
60

Fees & ownership

Joining fee
₹500 + GST
Annual / renewal fee
₹500 + GST
Fee waived at
₹1,50,000 or more spent in a year before renewal date (excl. cash on call, balance transfer, cash withdrawal)
Forex markup
Not stated
Finance charge
3.75% per month
Cash withdrawal fee
2.5% of the amount, minimum ₹500
Late-payment charge
Not stated
Interest-free period
Not stated

Benefits & privileges

TRAVEL
Domestic airport lounge
Not stated
International airport lounge
Not stated
Railway lounge
8 visits per quarter — 8 visits per year (maximum 2 per quarter) at select IRCTC Executive Lounges · Valid train ticket needed; ₹2 card-validation charge (non-refundable); extra visits chargeable; add-on cardholders eligible
Lounge spend requirement
Not stated
Lounge programme
IRCTC Executive Lounge Programme
EVERYDAY
Fuel
1% waiver on fuel transactions of ₹400–₹5,000; max waiver ₹250 per statement cycle; all fuel stations in India; GST not reversed
Dining
Not stated
RuPay / UPI
Not stated

Caps, exclusions and redemption

Major excluded categories
Fuel; wallet loads, gift/prepaid card loads, vouchers; cash advances; payment of outstanding balances; card fees and charges; government and rental; education; EMI conversions and EMI interest; online skill-based gaming; Fuel; wallet loads; rent; government; online skill-based gaming; education; EMI conversions and EMI interest; cash advances; payment of outstanding balances; card fees; prepaid/gift card and voucher purchases
Categories earning nothing
Not stated
Monthly reward cap
Not stated
Annual reward cap
Not stated
Reward point value
Not stated
Points expiry
Not stated
Redemption fee
₹99
Minimum redemption
Not stated
Credited automatically
Credited automatically

Who this card may suit

MAY SUIT
Included: 5 Reward Points per ₹100 spent on train bookings via the IRCTC website and Rail Connect app
Included: 1% transaction charges on IRCTC website and Rail Connect app bookings are reversed, capped at ₹1,000 a month
Included: 8 complimentary visits a year to select IRCTC Executive Lounges, with a maximum of 2 per quarter
Included: 1% fuel surcharge waiver on fuel transactions of ₹400 to ₹5,000, up to ₹250 per statement cycle
MAY NOT SUIT
Not stated
Typical fit only, based on the card’s own published terms. This is not personalised advice and not an indication of approval.
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Figures last checked 31 Oct 2026 against the issuer’s published terms.