Cards · HDFC Bank

IRCTC HDFC Bank Credit Card: rewards, caps and exclusions

The IRCTC HDFC Bank Credit Card pays about 5% on Train ticket booking on IRCTC Website/ IRCTC Rail Connect App (online), on the first ₹20,000 of spend a month, and 1% on everything else. Below is every rate, cap and exclusion in HDFC Bank's published terms, as we last checked them on 9 October 2026.

₹500 a yearPaid in points

What it earns

≈5%Train ticket booking on IRCTC Website/ IRCTC Rail Connect App (online)on the first ₹20,000 of spend a month

≈1%Groceries (in store / online)on the first ₹1,00,000 of spend a month

≈1%Bills (in store / online)on the first ₹2,00,000 of spend a month

≈1%Everything else (in store / online)on the first ₹1,00,000 of spend a month

≈1%Everything else (UPI)on the first ₹50,000 of spend a month

≈ marks a rate paid in points, valued at ₹1 a point. That is Zenidhi's conservative valuation, the same one the audit uses: the cheap end of what the points can be redeemed for, never the best transfer. Redeemed well, they can be worth more.

What earns nothing

Spend in these categories earns no rewards on this card, however it is paid for:

Fuel
Wallet loads
Gift cards
Cash withdrawals and fees
Government payments
Rent
Education fees
EMI conversions
Gaming (since 1 July 2025)

Milestones

In HDFC Bank's own words:

Gift voucher worth INR 500 every calendar quarter on spends of INR 30,000 or more (all customers from 1 Jan 2026); retail only — cash, Dial-An-EMI, Cash-on-Call, Balance Transfer, card fees and personal loans excluded → ₹500 voucher

Fees

Annual fee: ₹500, plus 18% GST
Joining fee: ₹500
Annual fee waived on ₹1,50,000 of spend in a card year

Where this comes from

Transcribed from HDFC Bank's own documents and checked against them on 9 October 2026:

Banks change these terms, sometimes with a month's notice. If a figure here disagrees with HDFC Bank's current document, the bank's document is right. Tell us at support@zenidhi.com and we'll fix the rule, here and in the app.

Hold this card?

Zenidhi reads your HDFC Bank statements and transaction alerts in Gmail, replays every swipe against the rules on this page, and shows you what you missed, and which card in your wallet to use next time. Get my audit · How the audit works