# Irctc Hdfc Bank Credit Card

**Best for:** Frequent IRCTC travelers and users

**Think twice if:** Low spenders or infrequent travelers

**Key strengths:** Earn 5 Reward Points on IRCTC spends · 8 Complimentary Executive Lounge accesses · Welcome Gift Voucher on activation

## Fees

- **Joining Fee:** Joining Fee of Rs.500
- **Annual Fee:** Renewal Fee of Rs.500
- **Fee Waiver:** Spend Rs.1.5 Lakhs For Renewal Fee Waiver
- **Forex Markup:** 3.50% - Foreign Currency Transactions

## Rewards

- **Top Reward Rate:** Earn 1 Reward Points per Rs.100
- **Welcome Benefit:** Welcome Gift Voucher Rs.500 on Card Activation

## Lounge Access

- **Domestic:** 8 Complimentary IRCTC Executive Lounges

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