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HDFC Bank
HDFC IRCTC
RuPay
HDFC IRCTC
A low-cost RuPay co-brand card purpose-built for frequent train travellers — 5X points on IRCTC bookings, railway lounge access, and a transaction-charge waiver, though value drops off fast outside IRCTC spend.
Rates and fees last verified 14 September 2026.
Annual fee
₹500
Joining fee
₹500
Reward type
cashback
Base reward rate
1%
Card network
RuPay
Card tier
Entry
Reward rates by category
- Travel5% (capped ₹1,000/monthly)
Eligibility
- Employment: salaried, self-employed
- Age: 21–60
Benefits
- ₹500 Amazon voucher on activation and first transaction within 30 days
- 8 complimentary IRCTC executive railway lounge visits per year
- 1% IRCTC transaction charge waiver on the IRCTC website/app, plus an extra 5% SmartBuy cashback on train bookings (capped ₹1,000/month)
Pros
- + 5X reward points on IRCTC ticket bookings
- + Free railway lounge access
- + Low, easily-waived annual fee
Cons
- − Base reward rate is weak on non-IRCTC spend
- − RuPay acceptance is narrower internationally
Applying takes you to HDFC Bank's site. We may earn a commission if you're approved — see our disclaimer. Final terms and approval are solely at the issuer's discretion.