Credit Cards · Honest Review
HDFC IRCTC Credit Card
HDFC Bank · Visa
Your Verdict
- ✓5% value back on IRCTC train ticket bookings
- ✓8 IRCTC railway lounge visits per year (2/quarter)
- ✓1% IRCTC transaction fee waiver
- ✓Fuel surcharge waiver up to ₹100/month
- ✓Annual fee waived on ₹1.5L annual spend
What HDFC IRCTC Credit Card costs you
HDFC IRCTC Credit Card carries a ₹500 annual fee and a ₹500 one-time joining fee. The annual fee is waivable: Spend ₹1.5L/year.
| Fee | Amount |
|---|---|
| Annual fee (year 2+) | ₹500 |
| Joining fee (one-time) | ₹500 |
| Fee waiver condition | Spend ₹1.5L/year |
| Spend required for waiver | ₹1,50,000 / year |
| Foreign transaction fee (forex markup) | Not disclosed / standard rates apply |
What you earn on every rupee spent
HDFC IRCTC Credit Card earns 1.00% on all eligible spends as a base reward rate, with accelerated rates on travel & flights and other bonus categories listed below.
| Category | Reward rate |
|---|---|
| All other spends (base rate) | 1.00% |
| ✈️ Travel & Flights | 5% |
300 reward points on first transaction
Reward types: Points
Beyond the reward rate
The non-reward benefits on HDFC IRCTC Credit Card are meaningful for frequent users. Here is what you get with the card.
Who can apply for HDFC IRCTC Credit Card
HDFC IRCTC Credit Card requires a minimum net monthly income of ₹20,000 for salaried applicants and a CIBIL score of 700 or above. It is open to salaried and self-employed applicants.
| Requirement | Detail |
|---|---|
| Minimum monthly income | ₹20,000 |
| CIBIL score | 700+ (good to excellent) |
| Age range | 21–60 years |
| Employment type | Salaried & self-employed |
| Typical approval time | 7–10 working days |
Who should (and shouldn't) get HDFC IRCTC Credit Card
- → Heavy spenders on travel & flights who want 5% back
- → Frequent travelers who value airport lounge access
- → Moderate spenders who can clear the fee waiver condition
HDFC IRCTC Credit Card — Questions answered
What is the annual fee for HDFC IRCTC Credit Card?
What is the minimum income required for HDFC IRCTC Credit Card?
What is the reward rate on HDFC IRCTC Credit Card for travel & flights?
Does HDFC IRCTC Credit Card provide airport lounge access?
How do I get the annual fee waived on HDFC IRCTC Credit Card?
How long does it take to get HDFC IRCTC Credit Card approved?
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Get My Personalised Verdict →Information on this page is gathered from public sources and the card issuer's official website. Fees and reward rates may change — verify the current terms on the issuer's website before applying. SingleVerdict may earn a referral fee if you apply through our links, which does not affect our scoring or editorial decisions.