HDFC IRCTC Credit Card

Key benefits

• 5 Reward Points per ₹100 on IRCTC ticketing spends
• Additional 5% cashback on eligible train bookings via HDFC SmartBuy
• 8 complimentary IRCTC Executive Lounge visits per year
• 1% transaction-charge waiver on eligible IRCTC ticketing spends
• ₹500 welcome gift voucher subject to activation conditions

Eligibility guidance

The catalogue currently lists no minimum-income figure. Employment preference is BOTH.

Before you apply

Check the current issuer terms for fees, reward caps, exclusions, eligibility, documentation and approval decisions. CREDITMARKETS provides matching and comparison guidance; the issuing bank makes the final approval decision.