HDFC BankVisaIRCTC Credit Card
3.9NeoFinQ editorial rating
IRCTC-focused railway rewards card
- Railway-specific rewards
- Low fee
- Joining fee
- ₹500
- Annual fee
- ₹500
- Reward type
- points
- Best for
- Travel
- Est. rewards
- ₹19,500/yr
Our verdict
Good for IRCTC heavy users.
Perfect for
- IRCTC frequent bookers
Not ideal for
- Non-railway users
Pros & cons
- Railway-specific rewards
- Low fee
- Limited non-railway benefits
Rewards
5 Reward Points per ₹100 on IRCTC ticketing (via IRCTC website/app); 1 Reward Point per ₹100 on other retail spends (excluding fuel/EMI/wallet). 5% additional cashback on HDFC SmartBuy.
| Category | Earn rate |
|---|---|
| Travel | 5% |
Welcome offer
₹500 Amazon voucher on card activation within 30 days
Benefits
Airport lounge
- 4 domestic lounge visits/yr
Travel
- 1 complimentary access to IRCTC Executive Lounges per quarter (Total 4 per year).
More benefits
- Welcome Bonus: ₹500 Amazon voucher on card activation within 30 days
Fees & charges
| Joining fee | ₹500 |
| Annual fee | ₹500 |
| Renewal fee | ₹500 |
| Fee waiver | Waived on ₹50,000 annual spend |
| Waiver threshold | Spend ₹50,000/yr |
Eligibility
Min. income (annual)
₹3L
Employment
Salaried / Self Employed
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Annual fee ₹500