IRCTC HDFC Bank Credit Card
Travel. Earn. Repeat.
Is this card worth it for you?
Drag the sliders to match your spend. The number on the right updates live.
Remaining 75% goes on everything else (groceries, utilities, online shopping). Earning rate: 0.30% travel · 0.30% dining · 0.30% base.
After fees, you're earning real money on this card. The break-even moves with your category mix — pull travel up if you fly more, dining if you eat out.
vs Flipkart Axis Bank
At ₹50,000/month with 15% travel and 10% dining.
Tools for IRCTC HDFC Bank Credit Card holders
Frequently asked
Is the IRCTC HDFC Bank Credit Card worth the ₹500 fee?
It depends on your spend. The IRCTC HDFC Bank Credit Card earns 0.3% base reward and waives the annual fee at ₹1,50,000 of yearly spend. Use the break-even calculator above to see your specific number.
What is the eligibility for IRCTC HDFC Bank Credit Card?
HDFC typically requires a minimum income of ₹25,000/year for the IRCTC HDFC Bank Credit Card.
How do I redeem points on IRCTC HDFC Bank Credit Card?
Best redemption is at SmartBuy flights/hotels, where 1 point ≈ ₹0.3. Other paths (statement credit, vouchers) usually return less.
What is the forex markup on IRCTC HDFC Bank Credit Card?
Most Indian cards charge 1.5–3.5% forex markup. We're verifying IRCTC HDFC Bank Credit Card's exact rate.
Last verified: 2026-05-01. Reward rates and fees are sourced from HDFC's product page and may change. Always confirm with the card issuer before applying.