IRCTC HDFC Bank Credit Card

Lounge access

• 8 complimentary IRCTC Executive Lounge accesses per year (maximum 2 per quarter) at select railway stations.
• Available to primary and supplementary card holders.
• Valid card and valid train travel ticket required at entrance.
• ₹2 charged to validate card.
• Includes 2 hours stay, A/C seating, washrooms/changing room, 1 buffet meal, unlimited tea & coffee, free Wi-Fi, charging points, newspaper and magazine.

Verified · harvested from product page · 2026-08-02 · source

Interest-free period

• Interest free (grace) credit period ranges from 20 to 50 days, subject to the scheme applicable and submission of claims by the merchant.
• Not applicable if previous month's balance not cleared in full or if cash withdrawn from ATM.

Verified · Most Important Terms & Conditions (MITC) – HDFC Bank Personal Credit Cards (covers IRCTC card) · 2026-08-02 · source

Fuel surcharge waiver

• 1% Fuel Surcharge waiver on fuel transactions (Minimum transaction of ₹400, Maximum transaction of ₹5,000 & Maximum waiver of ₹250 per statement cycle).
• GST on fuel surcharge not reversed.

Verified · harvested from product page · 2026-08-02 · source

Milestone benefit

• Gift Voucher worth ₹500 on spends of ₹30,000 or more per period.
• Card issued till 30th Sep'25: quarterly (every 90 days from issuance date, not calendar quarter).
• Card issued from 1st Oct'25 onwards: every calendar quarter.
• Valid for retail transactions only.

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Redemption value

• 1 Reward Point = ₹1 (for Points + Pay on HDFC Bank SmartBuy).
• Reward Points redeemable only via HDFC Bank SmartBuy for Train ticket bookings.
• Min 100 points to redeem.
• Max 70% of fare ticket amount redeemable.
• ₹99 + GST charged per successful points redemption.
• Cashback Redemption Charges: ₹50 per cashback redemption not applicable (IRCTC excluded).
• Reward Points expire 2 years after customer's last eligible earn or use transaction.

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Reward cap

• 5X on IRCTC spends capped at 1,000 RP/month (12,000/year).
• UPI capped at 500 RP/month.
• Grocery capped at 1,000 RP/month (12,000/year).
• Other spends capped at 1,000 RP/month (12,000/year).
• Fair Usage caps (per statement cycle): max reward points 25,000.
• Insurance capped at 2,000 RP/month (rest of cards, w.e.f 1st July 2025).
• Utility 2,00,000 spends = 2,000 RP/month.
• Telecom 2,00,000 spends = 2,000 RP/month.

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Reward exclusion

• No Reward Points on: Fuel spends.
• Wallet loads/Gift or Prepaid Card load/Voucher purchase.
• Cash Advances.
• Payment of outstanding balances.
• Payment of card fees and other charges.
• Government and Rental pay transactions.
• Education.
• Smart EMI/Dial an EMI.
• Interest amount of Merchant EMI.
• Online Skill-based Gaming earns no Reward Points (w.e.f 1st July 2025).
• MCC 6540 (wallet) not considered for Reward Points.

Verified · harvested from product page · 2026-08-02 · source

Transfer rule

• Reward Points can be redeemed only for train ticket bookings via HDFC Bank SmartBuy website.
• Reward Points may not be exchanged or utilized by another IRCTC Member for cash, prizes, or credit.
• Redemption available only after statement generation.

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Travel benefit

• 1% Transaction (Railway Ticket Purchase) surcharge reversed on bookings made via IRCTC Website/Mobile App, RailConnect app/website or HDFC Bank SmartBuy website.
• Capped at maximum ₹1,000 per month.
• Reversal on ticket cancellation/refund also 1% of refund amount.

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Insurance

• Select HDFC Bank credit card variants have complimentary insurance cover.
• Policy coverage starts from the date of Credit Card set up.
• For nominee details and terms, refer usage guide.

Verified · Most Important Terms & Conditions (MITC) – HDFC Bank Personal Credit Cards (covers IRCTC card) · 2026-08-02 · source

Statement credit

• 5% Additional Cashback on IRCTC Train Ticket booking made via HDFC Bank SmartBuy (in addition to 5X Reward Points).
• Capped at maximum ₹1,000 per month and ₹12,000 annually.
• SmartBuy cashback offers are dynamic and may change.

Verified · harvested from product page · 2026-08-02 · source