Best Suited for	Travel
Joining Fee	Rs. 500
Renewal Fee	Rs. 500
Minimum Income Requirement	Salaried: More than Rs. 25,000 p.m. Self-employed: ITR > Rs. 6 lakh p.a.
Best Feature	5% cashback on train ticket bookings via SmartBuy; 5 reward points per Rs. 100 spent on IRCTC website & Rail Connect App
Welcome Benefit	Rs. 500 voucher on card activation within the first 30 days of its issuance
TheMoneyTrunk's Rating	*** (3/5)

Refer below for the features and benefits offered by the HDFC IRCTC credit card across different spends: 

Welcome Benefits

This HDFC credit card comes with a gift voucher of Rs. 500 as an activation benefit. This welcome benefit can only be availed by activating the card within 30 days of card issuance.

Reward Points

• 5 reward points per Rs. 100 spent on Rail Connect app and IRCTC website
• 1 reward point on every Rs. 100 spent on all other spending categories
• Here, 1 HDFC bank reward point is equivalent to Re. 1.

Cashback Benefits

This card provides an additional 5% cashback on booking IRCTC train tickets using HDFC Bank SmartBuy.

For instance, if you buy a ticket of Rs. 3,000, you will earn 5% cashback of Rs. 150 in addition to 150 reward points (5 points per Rs. 100). So, in total you can get benefits of up to Rs. 300 in total as 1 reward point is equivalent to Re. 1.

Lounge Access

The card users are offered 8 complimentary access to select IRCTC Executive Lounges per year. These lounge visits can be availed twice in every calendar quarter. Click here for the list of railway lounges and more details.

Milestone Benefits

You get a gift voucher worth Rs. 500 on reaching the retail spending milestone of Rs. 30,000 every quarter or every 90 days. 

Other Benefits

• IRCTC Transaction Charge Waiver: 1% transaction charges are waived off on IRCTC website and app. The waiver is capped at Rs. 1,000 in every statement cycle.

• Fuel Surcharge Waiver: 1% fuel surcharge is waived off on transactions between Rs. 400 and Rs. 5,000. This waiver is capped at Rs. 250 in every statement cycle.

IRCTC HDFC credit card comes at a low annual fee of Rs. 500 with a decent travel rewards program. You get 5 reward points combined with an additional 5% cashback on all IRCTC spends. This credit card also offers 8 IRCTC lounge access annually. However, there are minimal benefits on all the non-IRCTC spends, like, shopping, groceries, bills, and more with only 1 reward point on every Rs. 100 spent. Therefore, HDFC IRCTC card is suitable for you only if you are a frequent train traveller as even the milestone gift voucher is offered only if you spend at least Rs. 30,000 in 90 days. If you wish to get better overall rewards, then you should probably look out for other cards.

The applicants must check out the below-mentioned criteria and documentation to check whether they are eligible for this card or not.

Criteria	Details
Nationality	Indian
Occupation	Salaried or Self-Employed
Age	Salaried: 21 to 60 years Self Employed: 21 to 65 years
Minimum Income Requirement	Salaried: More than Rs. 25,000 p.m. Self-employed: ITR > Rs. 6 lakh p.a.
Serviceable Cities	Click here for the list of serviceable cities
Documents Required	Click here for the list of documents required

Fees and Charges	Details
Annual Fee	Rs. 500
Renewal Fee	>Rs. 500 (Waived off on spending Rs. 1.5 lakh in previous year)
Finance Charges	3.6% p.m. (or 43.2% p.a.)
Late Payment Fee	For Statement Balance: Less than Rs. 100: Nil Rs. 100 to Rs. 500: Rs. 100 Rs. 501 to Rs. 5,000: Rs. 500 Rs. 5,001 to Rs. 10,000: Rs. 600 Rs. 10,001 to Rs. 25,000: Rs. 800 Rs. 25,001 to Rs. 50,000: Rs. 1,100 More than Rs. 50,000: Rs. 1,300

Here is a list of some other similar credit cards with travel benefits:

Credit Card	Annual Fee	Key Feature
MakeMyTrip ICICI Bank Platinum Credit Card	Nil	Up to 3 My Cash per Rs. 200 spent on MakeMyTrip
IRCTC SBI Platinum Credit Card	Rs. 300	10% value back as reward points on booking tickets through IRCTC
Standard Chartered EaseMyTrip Credit Card	Rs. 350	20% off on hotel bookings & 10% off on flight bookings with EaseMyTrip
Air India SBI Platinum Credit Card	Rs. 1,499	15 Reward Points per Rs. 100 spent on Air India tickets booked through airindia.com