The IRCTC HDFC has a ₹500 annual fee (waived on ₹1.5 lakh annual spend), earns 1 Reward Points per ₹100, includes 8 airport lounge visits and charges a 3.5% forex markup.
| Annual fee | ₹500 |
|---|---|
| Joining fee | ₹500 |
| Annual fee waived | On ₹1.5 lakh annual spend |
| Base rewards | 1 Reward Points per ₹100 |
| Lounge access | 8 airport lounge visits |
| Forex markup | 3.5% |
From issuer benefit data, checked 22 Oct 2026. Base rewards is the general earn rate; category and partner rates are under Key Benefits.
Key Benefits
Live offers on this card
147 online offers across 59 brands right now, each valid for at least another 7 days. Checked 22 Oct.
- Croma: Rs.12000 Discount · till 31 Oct
- EaseMyTrip: Flat Rs.7500 off · till 31 Oct
- ixigo: Rs.7500 Discount · till 31 Oct
- MakeMyTrip: Rs.7500 Discount · till 31 Oct
- Yatra: Flat Rs.7500 off · till 31 Oct
These are HDFC Bank's own offers and RuPay network offers, so they apply to every HDFC Bank RuPay card, not just this one. All HDFC Bank offers by category.
More about the Irctc Hdfc Bank Credit Card
Is the Irctc Hdfc Bank Credit Card worth it in 2026?
The Irctc Hdfc Bank Credit Card is worth it in 2026 if you frequently book train tickets on IRCTC. It offers 5 Reward Points for every Rs.100 spent on IRCTC and 8 complimentary IRCTC Executive Lounges. The Rs.500 joining and renewal fee can be waived by spending Rs.1.5 lakhs annually.
Who should get the Irctc Hdfc Bank Credit Card?
This card is ideal for regular IRCTC users and railway travelers who want to earn enhanced rewards on ticket bookings. It suits those who can spend at least Rs.1.5 lakhs annually to waive the Rs.500 renewal fee and benefit from lounge access.
How to maximise rewards on the Irctc Hdfc Bank Credit Card?
Maximise rewards by using the card primarily for IRCTC bookings to earn 5 Reward Points per Rs.100 spent. Additionally, use it for other purchases to earn 1 Reward Point per Rs.100. Ensure annual spending exceeds Rs.1.5 lakhs to waive the renewal fee.
Is the Irctc Hdfc Bank Credit Card better than a top competing premium card?
Compared to premium cards, the Irctc Hdfc Bank Credit Card offers specialized rewards focused on IRCTC spends with 5x points and complimentary lounge access. However, it may lack broader benefits found in premium cards, making it better suited for frequent railway travelers.