
Joining Fee
₹500
Annual Fee
Rs. 500 + Taxes
IRCTC HDFC Bank Credit Card
Rewards Structure
Base Reward Rate
2% on spends
Point Value
1 Point = ₹0.25
Earning Cap
₹5,000 /monthly
Key Benefits & Features
Detailed benefits inside
These details are based on information updated on . Fees and benefits change often - confirm on the issuer's own page before applying.
About IRCTC HDFC Bank Credit Card
The IRCTC HDFC Bank Credit Card is a co-branded travel credit card offered by HDFC Bank in partnership with the Indian Railway Catering and Tourism Corporation (IRCTC). Captured aptly by its tagline "There's a train ride in every swipe," this card is designed for frequent train travelers and railway enthusiasts who want to earn rewards and benefits with every purchase they make. As a co-branded offering under HDFC Bank's Fuel & Travel category, the card is tailored to meet the needs of those who regularly book train tickets and travel across India's extensive railway network. It combines the convenience of a standard credit card with travel-specific perks, making it a practical choice for commuters and leisure travelers alike. HDFC Bank supports cardholders with a range of self-service options, including card activation, PIN management, reward point redemption, credit limit enhancement, and card controls, all accessible through the bank's digital platforms. An IRCTC Savings Calculator is also available to help prospective cardholders estimate the potential value they can derive from the card. For those passionate about train travel, the IRCTC HDFC Bank Credit Card presents a compelling way to maximize savings and benefits on every railway journey.
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