What are the main benefits of the HDFC Bank RuPay IRCTC Credit Card?

The HDFC Bank RuPay IRCTC Credit Card offers accelerated rewards on IRCTC bookings, complimentary lounge access, and fee waivers.

What is the joining fee for the HDFC Bank RuPay IRCTC Credit Card?

The joining fee for the HDFC Bank RuPay IRCTC Credit Card is ₹500 plus applicable taxes.

How can I waive the renewal fee for my HDFC Bank RuPay IRCTC Credit Card?

You can waive the renewal fee for the HDFC Bank RuPay IRCTC Credit Card by spending ₹1,50,000 or more in an anniversary year.

Does the HDFC Bank RuPay IRCTC Credit Card offer lounge access?

Yes, the HDFC Bank RuPay IRCTC Credit Card provides 8 complimentary accesses to select IRCTC Executive Lounges annually.

What is the reward rate on the HDFC Bank RuPay IRCTC Credit Card for IRCTC spends?

With the HDFC Bank RuPay IRCTC Credit Card, you earn 5 Reward Points for every ₹100 spent on IRCTC ticketing.

Can I earn cashback on train bookings with the HDFC Bank RuPay IRCTC Credit Card?

Yes, you can earn an additional 5% cashback on train ticket bookings via HDFC Bank SmartBuy using this card.

What is the foreign currency markup for the HDFC Bank RuPay IRCTC Credit Card?

The HDFC Bank RuPay IRCTC Credit Card has a foreign currency markup of 3.5% on international transactions.

How can I redeem reward points earned on the HDFC Bank RuPay IRCTC Credit Card?

Reward points from the HDFC Bank RuPay IRCTC Credit Card can be redeemed against train ticket bookings via HDFC Bank SmartBuy.

What welcome benefits does the HDFC Bank RuPay IRCTC Credit Card offer?

The HDFC Bank RuPay IRCTC Credit Card offers an Amazon voucher worth ₹500 as a welcome benefit upon card activation.

Is the HDFC Bank RuPay IRCTC Credit Card enabled for UPI payments?

Yes, the HDFC Bank RuPay IRCTC Credit Card is enabled for linking with select UPI apps for payments.

HDFC Bank

HDFC Bank RuPay IRCTC Credit Card

Travel

Last updated: 26 October 2025

Benefits & Features

Explore key benefits designed to maximize your lifestyle

Welcome Offer

Amazon voucher worth ₹500 upon activation with first transaction within 37 days.

Rewards Rate

5 Reward Points for every ₹100 spent on IRCTC, 1 Reward Point for every ₹100 on other retail spends.

Reward Type

Reward Points

Reward Redemption

Redeem points for train tickets via HDFC Bank SmartBuy (1 RP = ₹1, 70% fare) or other options (1 RP = ₹0.30).

Domestic Lounge Access

8 complimentary accesses to select IRCTC Executive Lounges annually (2 per quarter).

International Lounge Access

Not Applicable

Premium Benefits

Not Applicable

Insurance Coverage

Not Applicable

Movie

Not Applicable

Dining

Not Applicable

Travel Benefits

Accelerated rewards on IRCTC bookings, 5% cashback via SmartBuy, 1% transaction charges waiver.

What matters, explained clearly

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Frequently Asked Questions

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