What is an IRCTC Credit Card?

The IRCTC Credit Card, specifically the HDFC Bank IRCTC Credit Card, is a specialised Credit Card designed in collaboration with the Indian Railway Catering and Tourism Corporation (IRCTC). This card offers a range of benefits, including reward points, CashBack, travel perks, IRCTC executive lounge access, and more making it an ideal choice for frequent train travellers.

What are the documents required to apply for an IRCTC Credit Card?

Documents required for the HDFC Bank IRCTC Credit Card include: Identity Proof: Passport, Aadhaar Card, Voter ID, Driving licence, PAN card, Passport size photos Address Proof: Utility bills (electricity, water, gas, or telephone), Rental agreement, Passport, Aadhaar card, Voter ID Income Proof: Salary slips (for salaried individuals), Income Tax Returns (ITR), Form 16, Bank statements

What is the are the travel offer benefits offered by IRCTC on the IRCTC Credit Card?

The IRCTC Credit Card offers several travel benefits: 5 Reward Points for every ₹100 spent on the IRCTC ticketing website and the Rail Connect app. Additional 5% cashback on train ticket bookings via HDFC Bank SmartBuy. 8 complimentary access passes to select IRCTC executive lounges every year. 1% transaction charges waiver on transactions done on the IRCTC ticketing website and Rail Connect app.

Can I withdraw money from the IRCTC Credit Card?

Yes, you can withdraw cash using your IRCTC Credit Card, However, the bank will charge a cash advance fee of 2.5% of the transaction amount or a minimum of ₹500 whichever is higher. The bank also offers a cash advance limit of 40%. The type of your Credit Card ascertains your cash advance limit.

Can I use the IRCTC Credit Card for international transactions?

While the IRCTC Credit Card is primarily designed for domestic use, it may be accepted for international transactions. However, it's crucial to check with the issuing bank to confirm the card's international validity. Keep in mind that international transactions may attract additional charges, including currency conversion fees.

What is the use of IRCTC Credit Card?

The IRCTC Credit Card offers various benefits like reward points, cashback, lounge access, and transaction charge waivers. It can be used for making purchases on the IRCTC website and the Rail Connect app, earning reward points on every transaction. Additionally, the card offers cashback on various other expenses, fuel surcharge waivers, and access to exclusive lounges.

TravelEntryVisa✦ IRCTC

HDFC IRCTC Credit Card

Earn 5% on every train ticket booked

Annual fee₹500Waived on ₹1.5L spend

Rewards5%Cashback

Forex markup3.5%3.5% on all foreign currency transactions

Apply NowSecure · Free · No spam calls

Welcome benefits

worth ₹500

Gift voucher worth ₹500

Type: Voucher
Trigger: within 37 days

Rewards

Base earn rate

1 Reward Point for every ₹100 on other spends* 1 Reward Point for every ₹100 spent* 1 Reward Point for every ₹100 spent on all other spends*

Category	Rate	Cap
IRCTC Ticketing	—	—

• 2 years, from the date of earning the reward points
• Minimum redemption: 100 points
• Redemption fee: ₹99

Milestone benefits

Card issued till 30th Sep'25: Gift voucher worth INR 500 on quarterly (every 90 days from the card issuance date) spends of INR 30,000 or more - till 31st Dec'25. Gift voucher worth INR 500 every calendar quarter on spends of INR 30,000 or more - starting from 1st Jan'26. Card issued from 1st Oct'25 onwards: Gift voucher worth INR 500 every calendar quarter on spends of INR 30,000 or more. To know more about Milestone Benefit, Click Here

Lounge access

Domestic

8visits / year

International

Not included

Railway lounge access — Included

Complimentary access to select IRCTC lounges* 8 complimentary access passes to select IRCTC executive lounges every year. To know more about IRCTC Executive Lounges click here

Fees & charges

Joining fee: ₹500/- + Applicable Taxes
Annual / renewal fee: ₹500/- + Applicable Taxes
Annual fee waiver: Spend ₹1,50,000 or more in a year, before your Credit Card renewal date and get your renewal fee waived off.
Interest rate: Available at a nominate nominal interest rate. (Check Fees & Charges section for more details)
Interest-free period: 50 days
Cash advance fee: the bank will charge a cash advance fee of 2.5% of the transaction amount or a minimum of ₹500 whichever is higher. The bank also offers a cash advance limit of 40%.
Overlimit fee: 2.5% of overlimit amount subject to minimum of ₹550. Not applicable for Infinia, Infinia Metal Edition, PhonePe HDFC Bank Ultimo/Uno Credit Card (no overlimit facility).
Payment dishonour: 2% of Payment amount subject to minimum of ₹450. Capping of ₹4999 for Infinia & Infinia Metal Credit Card. Applicable for cheque payment return or unsuccessful autopay.
Forex markup: 3.5% on all foreign currency transactions
DCC markup: 3.50%
Reward redemption: ₹99 per redemption
Fuel surcharge: 1% waiver

Late payment

Outstanding amount	Late fee
Up to ₹100	Nil
₹101-500	₹100
₹501-1,000	₹500
₹1,001-5,000	₹600
₹5,001-10,000	₹750
₹10,001-25,000	₹900
₹25,001-50,000	₹1,100
More than ₹50,000	₹1,300

Insurance covers

Fraud liability

Protection against fraudulent transactions made on your Credit Card* Available on any fraudulent transactions made on your Credit Card if reported immediately to HDFC Bank's 24-hour Call Centre.

Eligibility

Income (salaried): Income (Monthly) - ₹25,000 Annual ITR > ₹6 lakh
Income (self-employed): ₹6L/year
Age: 21–60 years

Employment types

SalariedSelf-Employed

Required documents

Identity Proof: Passport, Aadhaar card, Voter ID, Driving license, PAN card, Passport size photographs
Address Proof: Utility bills (electricity, water, gas, or telephone), Rental agreement, Passport, Aadhaar card, Voter ID
Income Proof: Salary slips (for salaried individuals), Income Tax Returns (ITR), Form 16, Bank statements

Features

✓ Contactless✓ Chip & PIN✓ International usage

Additional features

Up to 50 days of interest-free Credit from the date of purchase
Ability to convert large transactions to a SmartEMI after purchase
Contactless payments to improve your purchase experience
Protection against fraudulent transactions made on your Credit Card
Simple card management via HDFC Bank MyCards

Card management via MyCards.

FAQs

🎯 Not sure this card is right for you?

Try our Card Finder — get personalized picks in 30 seconds.

Find My Card →

Explore related credit cards

All HDFC Bank cards →Best Cashback Cards →Best Online Shopping Cards →Best Lounge Access Cards →Best Travel Cards →

Browse all credit cards →

VISA

HDFC Bank

Regalia Activ Credit Card

JoiningFREE

AnnualFREE

Reward2.67%

Apply Now

🔒 Secure & Free

VISA

HDFC Bank

Solitaire Credit Card

JoiningFREE

AnnualFREE

Reward2%

Apply Now

🔒 Secure & Free

VISA

HDFC Bank

PIXEL Go Credit Card

JoiningFREE

AnnualFREE

Reward1%

Cashback: 1%

Apply Now

🔒 Secure & Free

📖 Guides about this card

🔧 Useful tools

HDFC IRCTC Credit Card

Explore related credit cards

Guides and tools

HDFC IRCTC Credit Card

Explore related credit cards

Guides and tools