HDFC Bank
Gold · IRCTC
HDFC RuPay IRCTC Credit Card
HDFC Bank
5X reward points on IRCTC bookings with RuPay convenience
Annual Fee
₹500
Joining Fee
₹500
Reward Rate
0.3%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹2,410
Total Annual Benefits
₹3,000
Total Annual Charges
₹590
ROI
408%
Fee Waiver Available
Annual fee waived on spending ₹1 Lakh in the preceding year — ₹1,00,000 annual spend
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Travel Benefits (1)
5X Reward Points on IRCTC
Earn 5X reward points on IRCTC train ticket bookings
- • Valid on IRCTC website/app bookings
5X RP on IRCTC
Reward Points (1)
1 RP per ₹100 on All Spends
Earn 1 reward point per ₹100 on all other retail purchases
1 RP per ₹100
Other Benefits (1)
RuPay UPI Integration
Link card to UPI apps for seamless payments
- • Available on RuPay cards
Available
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹400–₹5,000
- • Valid on transactions ₹400–₹5,000
- • Max ₹250 per statement cycle
1% waiver
₹3,000/yr
Reward Program
Program
HDFC IRCTC Reward Points
5X on IRCTC, 1 RP per ₹100 other
Effective cashback: 0.35%
Points expire: 2 years from date of accrual
Redemption Options
- → IRCTC bookings
- → Products & Vouchers
- → Cashback (1 RP = ₹0.20)
Bonus Categories
IRCTC
5x multiplier
5X reward points on IRCTC bookings
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹500 Excluding GST |
| Annual Fee | ₹500 Excluding GST |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.75%
- Late Payment Fee
- ₹1,300
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹250
- Other Bank Withdrawal
- ₹250
- Intl. Withdrawal Fee
- 2.5% + ₹250
Fuel Surcharge Waiver
1% waiver on transactions between ₹400 – ₹5,000. Max waiver: ₹250/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹25,000
- Min. Annual Income
- ₹3,00,000
- Min. Credit Score
- 650
- Age Range
- 21 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Gross Monthly Income > ₹25,000
- • Self-Employed: ITR > ₹3 Lakh p.a.
Transaction Limits
ATM Withdrawal / Day
₹25,000
POS & E-Commerce / Day
₹2,00,000
Contactless / Txn
₹5,000
Features
Contactless payments EMV chip security RuPay UPI integration Add-on cards available EMI conversion facility 5X rewards on IRCTC bookings
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12 months
Processing Fee
1%
Ready to Apply?
The HDFC RuPay IRCTC Credit Card is a co-branded card offering 5X reward points on IRCTC bookings and 1 reward point per ₹100 on all other spends. Wit...
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