IR
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IRCTCHDFC Bank
Fees & charges
| Joining fee | ₹500 + applicable taxes |
|---|---|
| Annual / renewal fee | ₹500 + applicable taxes |
| Renewal-fee waiver | ₹1,50,000/year (spend ₹1.5 lakh or more before the renewal date to get the renewal fee waived) |
| Network | Not stated Not stated on HDFC's page |
Rewards & benefits
| Reward rate | 5 Reward Points per ₹100 on IRCTC ticketing (website/Rail Connect app); 1 RP per ₹100 on all other spends; additional 5% cashback on train bookings via HDFC SmartBuy; 1% fuel surcharge waiver. 1 RP = ₹1, redeemable only on rail bookings via SmartBuy (up to 70% of fare) |
|---|---|
| Welcome benefit | ₹500 gift voucher on card activation; plus ₹1,000 cashback across 200+ brands via Payzapp |
| Lounge access | 4 railway lounge accesses (IRCTC Executive Lounges), per HDFC's page meta description |
| Key benefits | Rail-focused co-brand card: 5 RP/₹100 on IRCTC bookings + 1% IRCTC transaction-charge waiver, 4 railway lounge visits, quarterly ₹500 milestone vouchers on ₹30k spend, 1% fuel surcharge waiver |
Eligibility & status
| Eligibility / income | Salaried: Indian, age 21–60, gross monthly income > ₹25,000. Self-employed: Indian, age 21–65, ITR > ₹6 lakh/annum. NRIs not eligible |
|---|---|
| Status note | active |
Sources compared — HDFC's MITC (PDF) vs the card's microsite
Every fact is shown from both of HDFC's own sources so you can verify it yourself — the MITC PDF ↗ (the binding fee document) and the product microsite ↗. Nothing is omitted or paraphrased.
| Fact | 📄 MITC PDF | 🔗 Microsite | |
|---|---|---|---|
| Joining / annual fee | ₹ 500MITC v4.3, fee table L514-517 | First Year Joining Fee – ₹500/- + Applicable Taxes | ✓ |
| Fee waiver (min spend) | ₹1.5 lakh / AnnumMITC v4.3, fee table L514-517 | Renewal fee can be waived off if a customer spends ₹1,50,000 or more in an anniversary year, before your Credit Card renewal date. | ✓ |
| Fuel surcharge waiver | 1% fuel surcharge waiver on minimum transaction of ₹400 & maximum transaction of ₹5000. Maximum waiver of ₹250 per statement cycleMITC v4.3, fee table L514-517 | 1% Fuel Surcharge waiver on fuel transactions (Minimum transaction of ₹400, Maximum transaction of ₹5,000 & Maximum CashBack of ₹250 per statement cycle). | ✓ |
| Forex markup | 3.5%MITC v4.3, fee table L514-517 | NOT STATED | • |
| Reward rate | Not in MITC (product term) | 5 Reward Points for every ₹100 spent via IRCTC (ticketing website / Rail Connect App); 1 Reward Point for every ₹100 on all other spends. Additional 5% cashback on train ticket bookings via HDFC Bank SmartBuy. 1% transaction charges waiver on IRCTC ticketing website / Rail Connect App. Reward Points can be used only for redemption against train ticket booking via HDFC Bank SmartBuy (1 RP = ₹1; up to 70% of fare). | • |
| Welcome benefit | Not in MITC | Gift voucher worth ₹500 upon activating the card (Welcome: Gift voucher worth INR 500 on card activation by performing 1 transaction of any amount within first 37 days of card issuance). Plus ₹1,000 CashBack across 200+ brands on your Credit Card via Payzapp. | • |
| Lounge access | Not in MITC | 8 Complimentary access to select IRCTC Executive Lounges every year (Max 2 per quarter). ₹2/- is charged to validate the card for complimentary lounge access (this amount is reversed). | • |
| Eligibility | Not in MITC | Salaried: Nationality Indian, Age 21–60 years, Income (Monthly) - ₹25,000. Self-employed: Nationality Indian, Age 21–65 years, Annual ITR > ₹6 lakh. | • |
✓ both agree ⚠ differ — verify • MITC only • microsite only
Live microsite fetch this run: thin 37, ok 3, blocked 1. HDFC microsites are JavaScript-rendered, so where the live fetch was thin the microsite column shows the fact as previously recorded from that card’s HDFC page — open the linked URL to verify. See the full schedule of charges → (finance charges, cash-advance, late-fee slabs…), all cited to the MITC.
Verbatim quotes captured from the live microsite
- First Year Joining Fee – ₹500/- + Applicable Taxes Renewal Membership Fee – ₹500/- + Applicable Taxes
- Renewal fee can be waived off if a customer spends ₹1,50,000 or more in an anniversary year, before your Credit Card renewal date.
- 5 Reward Points for every ₹100 spent via IRCTC* 1 Reward Point for every ₹100 on other spends*
- 1% Fuel Surcharge waiver on fuel transactions (Minimum transaction of ₹400, Maximum transaction of ₹5,000 & Maximum CashBack of ₹250 per statement cycle)
- 8 Complimentary access to select IRCTC Executive Lounges every year (Max 2 per quarter)
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