IRCTC HDFC Bank Credit Card
HDFC About This Card
The IRCTC HDFC Bank Credit Card is designed for frequent train travellers. Earn 5 Reward Points per Rs 100 on IRCTC bookings (5% value back) plus save 1% on transaction charges. Includes 8 railway lounge visits per year. However, rewards outside IRCTC are modest at 1 point per Rs 100.
Pros & Cons
Pros
- 5% value back on train ticket bookings via IRCTC
- Railway lounge access (8/year) unique to this card
- 1% IRCTC transaction charge waiver saves on every booking
- Low Rs 500 annual fee with Rs 1.5L waiver threshold
Cons
- Reward rate outside IRCTC is low (1%)
- No airport lounge access
- 3.5% forex markup makes it poor for international use
Fee Details
Reward Structure
Lounge Access
Key Highlights
- 5 Reward Points per Rs 100 on IRCTC bookings (5% value back)
- 1% transaction charge waiver on IRCTC bookings
- 8 complimentary railway lounge visits per year
- Rs 500 gift voucher every quarter on spending Rs 30,000
- 1 Reward Point = Rs 1 on SmartBuy redemption
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Active Offers (1)
All offers10% instant discount on Amazon
Get 10% instant discount up to Rs 1,500 on Amazon.in purchases over Rs 5,000. Valid on all HDFC credit cards.
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