RuPay
HDFC Bank · Credit Card
IRCTC HDFC Bank Credit Card
The train-traveller's card — IRCTC lounges and booking savings.
Joining fee₹500 + taxes
Annual fee₹500 + taxes (waived on ₹1.5L annual spends)
Best forfrequent train travellers
Key benefits
- Complimentary access to select IRCTC executive lounges
- 1% transaction-charge waiver on IRCTC website and Rail Connect app bookings
- Renewal fee waived on ₹1.5 lakh spends in a year
- 1% fuel surcharge waiver at fuel stations across India
- RuPay card — link to UPI for scan-and-pay
- Up to 50 days interest-free credit
How to apply
- Tap Apply Now — you'll be taken to the bank's official application page via our partner link.
- Enter your PAN, Aadhaar-linked mobile number and basic details.
- Complete the OTP / video-KYC verification as guided by HDFC Bank.
- On approval, the card is issued and dispatched — activate it from the bank's app.