TravelEntryVisa✦ IRCTC

HDFC IRCTC Credit Card

Annual fee₹500Waived on ₹1.5L spend

Rewards1 Reward Point for every ₹100 on other spends* 1 Reward Point for every INR 100 spent* 1 Reward Point for every INR 100 spent on all other spends*

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

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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
₹0 – ₹100	₹0
₹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
Above ₹50,001	₹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