cards / mid / hdfc-irctc
HDFCUnknownmid-tier

IRCTC HDFC Bank Credit Card

A solid daily-driver for steady spenders who want rewards without a premium fee.

excellent shape
health 100/100
annual fee₹ 500/yr
joining fee₹ 500
fee waiver at₹ 1,50,000/yr
base earn rate1 / ₹100
rewards inReward Points
welcome benefit₹ 500

✓ best for

Flights & Hotels

⚠ heads up

no major caveats we’re tracking.

earn rates

categoryratecap/mo
base · everything else1 / ₹100
Flights & Hotels5 / ₹100

benefits & perks

Welcome Benefits~₹ 500/yr

Gift voucher worth ₹500 upon activating the card

Milestone Benefits~₹ 500/yr

Gift voucher worth INR 500 every calendar quarter on spends of INR 30,000 or more

unlocks at ₹ 30,000/yr

IRCTC Executive Lounges

8 Complimentary access to select IRCTC Executive Lounges every year (Max 2 per quarter)

Fuel Surcharge Waiver

1% fuel surcharge waiver at all fuel stations across India

run your spend profileto see this card's value for you.