cards / mid / hdfc-rupay-irctc
HDFCRuPaymid-tier

HDFC Bank RuPay IRCTC 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
forex markup3.5%
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₹ 1,000

benefits & perks

Amazon Voucher~₹ 500/yr

Amazon voucher worth ₹500 as a welcome benefit.

Railway Lounge Access

8 Complimentary Access to IRCTC Executive Lounges (Maximum Two Each Quarter)

Fuel Surcharge Waiver

1% fuel surcharge waiver on all fuel purchases between ₹400 and ₹5,000.

unlocks at ₹ 400/yr

Milestone Benefits~₹ 500/yr

You shall receive gift vouchers worth ₹500 on spends of ₹30,000 or more every calendar quarter.

unlocks at ₹ 30,000/yr

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