What is the annual fee for the HDFC Bank IRCTC?

The annual fee for the HDFC Bank IRCTC is ₹500. It can be waived on annual spends of ₹1,50,000.

Does the HDFC Bank IRCTC offer airport lounge access?

Yes — the HDFC Bank IRCTC offers 8 domestic per year lounge visits.

What rewards does the HDFC Bank IRCTC earn?

It earns 1% on eligible spends as Reward Points.

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IRCTC — HDFC Bank Credit Card | Card Manager

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HDFC

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•••• •••• •••• 0000

IRCTC

RuPay

IRCTC

HDFC Bank • RuPay• Entry

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Annual Fee

₹500

Base Reward Rate

1.00%

Foreign Tx Fee

3.5%

Tier

Entry

Joining Fee

₹500

Verified

2026-05-25

Airport Lounge Access

Domestic & international access details and eligibility criteria

domesticDirect

8 per yearmedium

✓ No activation spend required — access is unconditional.

2/qtr at IRCTC railway lounges (11 cities).

Earnings Projection

Estimate annual rewards based on your typical monthly spend

Other / General₹20,000/mo

+₹200

Dining₹5,000/mo

+₹50

Grocery₹8,000/mo

+₹80

Fuel₹3,000/mo

—

Travel₹5,000/mo

+₹250

Online Shopping₹8,000/mo

+₹80

Utilities₹3,000/mo

+₹30

Annual earnings

₹8,280

Blended 1.33% effective return

Monthly spend₹52,000

Monthly earnings+₹690

Estimates use this card's best matching rule per category. Caps applied where known. Milestones not included.

Notes

₹500 Amazon voucher welcome. 5 CashPoints/₹100 on IRCTC. 8 railway lounges/yr.

Benefits & Perks

Rewards

1 Reward Points ≈ ₹0.25–₹1 depending on redemption (cashback → flights/transfer).
value range
1% base reward rate on all eligible spends
1.00%medium
Travel: 5% — On IRCTC railway bookings.
5.0% · cap 1,000/momedium

Forex

3.5% forex markup on international card transactions
3.5%

Travel

domestic via Direct: 8 per year — no spend needed
8/yearmedium

Payments

Joining fee: ₹500. Annual: ₹500.
₹500
Annual fee waived on spending ₹1,50,000 per year.
Spend ₹1,50,000
Milestone: spend ₹30,000/quarter → ₹500 gift voucher on spends of ₹30,000 every calendar quarter
+₹500 valuehigh