IRCTC HDFC Bank Credit Card
HDFC Bank · Checked 2026-10-11
IRCTC HDFC Bank Credit Card is a paid card focused on travel benefits, rail and reward points, charging ₹500 annually before GST.
CardIQ editorial view
Our take
IRCTC HDFC Bank Credit Card is a paid card focused on travel benefits, rail and reward points, charging ₹500 annually before GST.
Who it suits
- People who prioritise travel benefits.
- People who prioritise rail.
- People whose normal usage can recover the annual fee through relevant benefits.
Key strengths
- Reward Points for eligible railway bookings and everyday purchases.
Trade-offs to understand
- Reward Points for eligible railway bookings and everyday purchases; issuer caps, exclusions and redemption rules apply.
- The ₹500 annual fee plus GST needs to be justified by benefits you will actually use.
CardIQ verdict
It deserves a place on the shortlist when your normal spending makes reward points for eligible railway bookings and everyday purchases valuable enough to clear the fee. Factor in this condition: Reward Points for eligible railway bookings and everyday purchases; issuer caps, exclusions and redemption rules apply.
Compare before deciding
- IRCTC BOBCARD — A lower-fee way to compare similar strengths in rail and reward points.
- IRCTC RBL Bank — A similarly priced alternative for comparing reward points and travel benefits.
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Benefits, limits and conditions
- Reward Points for eligible railway bookings and everyday purchases; issuer caps, exclusions and redemption rules apply.
- Renewal fee reversal requires ₹1.5 lakh of qualifying annual spend.
- Benefits and eligibility remain subject to the current HDFC Bank product terms.