Credit card

IRCTC HDFC Bank Credit Card

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Card review

IRCTC HDFC Bank Credit Card

3.9 7.8/10 DebitCue Score Verified Jun 20, 2026

India's best card for frequent train travellers on IRCTC

Fee: ₹500 INR/yr (≈ $6); Waived on ₹1.5 lakh annual spend
Purchase APR: from 45%
Interest-free: 50 days
Foreign fee: 3.5%

Rewards

5 Reward Points per ₹100 on IRCTC website/Rail Connect app; 1 Reward Point per ₹100 on all other spends; 5% cashback on IRCTC tickets via HDFC SmartBuy; 1 RP = ₹1

Welcome offer

₹500 gift voucher on card activation within 30 days

Our verdict

What stands out, and where it falls short.

What we like

5 Reward Points per ₹100 on IRCTC website/Rail Connect…
Welcome bonus
50-day interest-free period
Airport lounge access

Worth weighing

₹500 INR/yr (≈ $6) card fee
3.5% foreign transaction fee
High interest if you carry a balance

Who It Is For

Whether the IRCTC HDFC Bank Credit Card fits how you actually spend.

Pick it if you are

People who want rewards on their spending
Travelers who value airport lounges

Skip it if you are

Light spenders who won't beat the ₹500 INR/yr (≈ $6) fee
Frequent international travelers

Rates and fees

As of June 20, 2026

All amounts shown in INR.

Card fee: ₹500 INR/yr (≈ $6)
Purchase APR: from 45%
Interest-free period: 50 days
Foreign transaction fee: 3.5%
Monthly Interest Rate: 3.75% per month (45% p.a.)

Rewards and features

Rewards: 5 Reward Points per ₹100 on IRCTC website/Rail Connect app; 1 Reward Point per ₹100 on all other spends; 5% cashback on IRCTC tickets via HDFC SmartBuy; 1 RP = ₹1
Welcome offer: ₹500 gift voucher on card activation within 30 days
Pay with: Contactless
IRCTC Surcharge Waiver: 1% waiver on transaction charges for railway bookings on IRCTC website and Rail Connect app
Network: RuPay — enables UPI-linked credit card payments

Benefits and perks

Extras that come bundled with the card.

8 complimentary IRCTC Executive Lounge visits/year at select railway stations

Eligibility

What you need before you apply.

Minimum Income (Salaried): ₹12,000/month

IRCTC HDFC Bank Credit Card: your questions answered

How much does the IRCTC HDFC Bank Credit Card cost?

The IRCTC HDFC Bank Credit Card costs ₹500 INR/yr (≈ $6). Waived on ₹1.5 lakh annual spend.

What rewards does the IRCTC HDFC Bank Credit Card earn?

The IRCTC HDFC Bank Credit Card earns 5 Reward Points per ₹100 on IRCTC website/Rail Connect app; 1 Reward Point per ₹100 on all other spends; 5% cashback on IRCTC tickets via HDFC SmartBuy; 1 RP = ₹1.

Does the IRCTC HDFC Bank Credit Card charge foreign transaction fees?

Yes - the IRCTC HDFC Bank Credit Card charges a 3.5% foreign transaction fee.

Is there an interest-free period on the IRCTC HDFC Bank Credit Card?

Yes - up to 50 days interest-free when you pay your balance in full by the due date.

What is the interest rate on the IRCTC HDFC Bank Credit Card?

The IRCTC HDFC Bank Credit Card has a purchase APR of from 45%.

Does the IRCTC HDFC Bank Credit Card have a welcome offer?

Yes - ₹500 gift voucher on card activation within 30 days.

Is the IRCTC HDFC Bank Credit Card a credit, debit or prepaid card?

The IRCTC HDFC Bank Credit Card is a credit card issued by HDFC Bank on the Visa network.

Does the IRCTC HDFC Bank Credit Card support Apple Pay and Google Pay?

The IRCTC HDFC Bank Credit Card does not list Apple Pay or Google Pay support.

Where can I get the IRCTC HDFC Bank Credit Card?

The IRCTC HDFC Bank Credit Card is currently offered in India, Indonesia, Japan, Malaysia, Philippines, Singapore, South Korea, Taiwan and 2 more.

How does DebitCue rate the IRCTC HDFC Bank Credit Card?

DebitCue rates the IRCTC HDFC Bank Credit Card 3.9 out of 5 (7.8/10), scored on the same factors as every card - fees, rewards, perks and ease of use.