HDFC IRCTC Credit Card – Save on Train Travel & Earn Rewards | Apply Now

HDFC IRCTC Credit Card: Travel Smarter, Earn Bigger

Indian Railways is the lifeline of the country, with over 23 million passengers traveling every day. If you're one of them, the HDFC IRCTC Credit Card can help you save on train bookings while offering a host of travel and lifestyle benefits.

Whether you’re a frequent traveler or a casual commuter, this co-branded credit card can make your railway journeys more rewarding. Let’s dive deep into its features, benefits, and how it stacks up against other cards.

Who Should Get the HDFC IRCTC Credit Card?

Target Audience:

• Frequent train travelers

• Students commuting between cities

• Government employees and professionals on regular travel

• Budget-conscious travelers seeking cashback and rewards

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Key Benefits of HDFC IRCTC Credit Card

Here’s a snapshot of what you get when you apply for the card:

Feature	Details
Joining Fee	₹500 + GST (Reversed on spending ₹1500 in 90 days)
Railway Booking Cashback	5% cashback on IRCTC ticket bookings via IRCTC website/app
Dining Offers	Up to 15% off through the HDFC Good Food Trail Program
Reward Points	1 Reward Point per ₹100 spent (except fuel & IRCTC)
Fuel Surcharge Waiver	1% waiver on transactions ₹400–₹5000 at all fuel stations
Railway Lounge Access	4 complimentary visits per year (1 per quarter) at select lounges
Annual Fee Waiver	Spend ₹1.5 Lakhs in a year to waive the next year’s fee

👉 Apply Now for HDFC IRCTC Credit Card

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Why It’s a Smart Choice for Train Travelers

Imagine booking a ₹3000 train ticket and getting ₹150 back instantly through cashback. Do that a few times a month and you've already covered your card's annual fee!

Plus, the complimentary railway lounge access gives you a taste of premium travel before boarding, making your journey more comfortable.

💡 Pro Tip: Book your tickets directly on IRCTC’s official portal using your HDFC IRCTC card to maximize rewards and cashback.

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Actionable Insights: How to Maximize Your Card Benefits

1. Use Only on IRCTC

   • Book tickets exclusively via IRCTC to get the 5% cashback.

2. Dine Smart

   • Pay at partner restaurants through the Good Food Trail Program for extra discounts.

3. Avoid Cash Withdrawals

   • Interest rates on cash advances are high. Use UPI or debit cards for emergencies.

4. Fuel Fill-Up Smartly

   • Limit transactions to ₹400–₹5000 to enjoy the 1% surcharge waiver.

5. Spend Strategically

   • Spend ₹1.5 lakh/year (just ₹12,500/month) to avoid next year’s ₹500 fee.

🎯 Get Your Card Today – HDFC IRCTC Credit Card

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Comparison with Other Travel Credit Cards

Feature	HDFC IRCTC Credit Card	SBI IRCTC Card	Axis Neo Card
Cashback on Train Tickets	✅ 5%	✅ 10% (limited partners)	❌
Lounge Access	✅ 4/year	✅ 4/year	✅ 4/year
Dining Offers	✅	❌	✅
Annual Fee	₹500 (waivable)	₹500	₹250
Apply Link	Apply Now	External	External

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FAQs – HDFC IRCTC Credit Card

Q1. How do I apply for the HDFC IRCTC Credit Card?A: You can apply online here with minimal documentation if you’re already an HDFC customer.

Q2. Can I book tickets on other sites and still get cashback?A: No. Cashback is applicable only for IRCTC bookings via the official website or app.

Q3. Does it come with international lounge access?A: No, only domestic railway lounge access is offered.

Q4. What’s the validity of lounge access?A: You get 1 visit per quarter, and unused visits don’t carry over.

Q5. Is it worth it for occasional travelers?A: If you spend ₹1500 in 90 days, the joining fee is waived — so even for occasional travelers, it’s a low-risk card with solid perks.

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Final Verdict: Is the HDFC IRCTC Credit Card Worth It?

If your travel revolves around the Indian Railways, the HDFC IRCTC Credit Card is a no-brainer. It offers real cashback, practical lounge access, and minimal fees — making it ideal for students, working professionals, and frequent train travelers.

✅ Pros:

• Excellent train booking cashback

• Free lounge access

• Waivable fee

❌ Cons:

• Cashback only on IRCTC

• No international perks

🎫 Ready to ride smart? Click here to apply now and start earning every time you book a ticket!