HDFC Bank RuPay IRCTC Credit Card

Card Details

HDFC Bank RuPay IRCTC Credit Card
Issuer
HDFC Bank
Card type
Travel
Joining fee
₹500 + GST
Annual fee
₹500 + GST
Rewards currency
Reward Points

Highlights

  • 5X Reward Points on IRCTC
  • Additional 5% Cashback via SmartBuy
  • Amazon Voucher Welcome Gift

Welcome, annual & renewal benefits

  • Joining/Annual Fee: ₹500 + GST.
  • Welcome Benefit: ₹500 Amazon Voucher.
  • Annual Fee Waiver on spends of ₹1,50,000.

Reward earning

Spend typeEarn rate
IRCTC Bookings5X Reward Points
Other Spends1 RP / ₹100
  • Redemption rate is 1 RP = ₹1
  • Additional 5% via Smartbuy
  • 1% transaction charge wavier on IRCTC website

Additional Benefits

  • 8 complimentary visits per year to IRCTC railway lounges

Review

A solid card for someone who uses IRCTC regularly. Out of IRCTC the card has no usecase.