IRCTC SBI Card Premier vs IRCTC HDFC Bank Card: Which Rail Card Wins?

Choose the IRCTC SBI Card Premier if you book AC trains on the IRCTC app most months: it pays 10 Reward Points per ₹100 on those tickets with no cap, at ₹1 a point. The IRCTC HDFC Bank Credit Card costs ₹500 instead of ₹1,499 (both plus GST) and pays 5 points per ₹100 on train tickets up to 1,000 points a month, so it wins for light rail users and for anyone who books on SmartBuy, where HDFC adds 5% cashback.

By Abhishek Kumar · Content Writer Updated 5 November 2026 Reviewed by BankCreds Financial Experts

In short

SBI's Premier pays more for regular AC travellers who book on the IRCTC app, while HDFC's IRCTC card returns more for light rail users and, booked through SmartBuy, keeps pace with SBI until its caps fill at about ₹20,000 of tickets a month.

Best for

SBI Premier: families who book AC classes or chair car on the IRCTC app every month
HDFC IRCTC: occasional rail users who want a ₹500 card with a ₹1.5 lakh waiver
HDFC IRCTC: people willing to book train tickets on SmartBuy for the extra 5% cashback

Skip it if

You mostly fly, since neither card lists an airport lounge and both charge a 3.5% forex markup
You want points you can spend anywhere, because HDFC's points pay only for train tickets on SmartBuy
You book tickets for relatives without travelling, since SBI pays only when the cardholder is a passenger

Highlights

SBI Premier: 10 Reward Points per ₹100 on AC and chair car tickets, no cap
HDFC IRCTC: 5 points per ₹100 on train tickets, capped at 1,000 a month
Fees: ₹1,499 against ₹500, plus GST, waived at ₹2 lakh and ₹1.5 lakh of yearly spends
Both: 8 railway lounge visits a year and a 3.5% forex markup

Side by side

Every term from the banks' own pages, last verified 5 November 2026.
Term	IRCTC SBI Card Premier	IRCTC HDFC Bank Credit Card
Bank	SBI Card	HDFC Bank
Joining fee	₹1,499 + GST	₹500 + GST
Annual fee and waiver	₹1,499 + GST. Spend based reversal of annual fee on spends of Rs. 2 Lakhs (MITC: annual spends of Rs. 2 lakh or more in the preceding year)	₹500 + GST. Spend ₹1.5 lakh or more in a year before the renewal date to get the renewal fee waived.
Base reward	1 Reward Point per Rs (about 0.8% value)	1 Reward Point for every ₹100 spent on other spends, capped at 1,000 RP a month...
Best category	Rail tickets on IRCTC website and app: about 10% value	Train tickets booked via HDFC Bank SmartBuy: about 5% value
Lounges	Domestic: 8 complimentary railway lounge visits a year in India (max 2 per quarter), primary cardholder only; no airport lounges listed International: None listed	Domestic: 8 complimentary IRCTC Executive Lounge (railway station) visits a year, maximum 2 per quarter; no airport lounge benefit International: None
Forex markup	3.5% of the amount	3.5% of the amount
Network	Visa, RuPay	Not stated by the bank
Published minimum income	Stable income; SBI Card says the specific minimum varies by card and does not...	₹12,000 a month
Status	Taking applications	Taking applications
Add-on card fee	Nil	Nil
Earned as	Reward Points (transferred monthly to the IRCTC loyalty account)	Reward Points
Higher-reward categories	Rail tickets on IRCTC website and app: up to 10% value back as Reward Points (10 Reward Points per Rs.100 on AC ticket purchases), about 10% value (There is no capping on monthly/ annual value back amount) Air tickets on air.irctc.co.in and e-catering on ecatering.irctc.co.in: 5 Reward Points per Rs.125 (page: '5% back'), about 4% value (Earning on Air ticket booking is capped at 750 Reward Points in each monthly statement cycle, statement cycle) Dining and Standing Instructions on utility spends: 3 Reward Points per Rs.125, about 2.4% value (No cap stated)	Train tickets on the IRCTC website / Rail Connect app and on HDFC Bank SmartBuy: 5 Reward Points for every ₹100 (1X base + 4X additional) (capped maximum at 1000 Reward Points per month and 12000 Reward Points Annually, month) Train tickets booked via HDFC Bank SmartBuy: 5% cashback in addition to 5X points, about 5% value (capped maximum at INR 1000 per month and INR 12000 Annually, month)
No rewards on	Fuel (MCC 5172, 5541, 5983, 5542) e-Wallet loads (MCC 6540, 6541) Rent (MCC 6513, 7349) since 15 Apr 2024 Government (MCC 9399, 9311) since 15 Jul 2024 Balance transfer, Encash, cash advance Financial charges, disputed transactions Flexipay and merchant EMI (points reversed) Rail tickets bought with vouchers such as military warrants	Fuel Wallet, gift or prepaid card loads and vouchers Cash advances Payment of outstanding balance Card fees and charges Government and rent transactions Education Smart EMI / Dial an EMI Interest on merchant EMI Online skill-based gaming
Value of a point	Redeem on IRCTC website or app after monthly transfer to IRCTC loyalty account: Welcome '1,500 reward points worth Rs. 1,500'; statement-debit adjustments at 1 Reward point = INR 1	Train tickets via HDFC Bank SmartBuy (Points + Pay): 1 Reward Point = INR 1; minimum 100 points; up to 70% of the fare; points usable only for train tickets on SmartBuy
Redemption fee	Not stated for IRCTC loyalty redemption	₹99 + GST per successful points redemption
Expiry	Points move to the IRCTC loyalty account on the 15th of every month; from 26 Dec 2024 reward points are valid for 2 years from the date of the member's registration (T&C wording)	Reward Points expire 2 years after the customer's last transaction involving an eligible earn or use
Welcome benefits	1,500 Reward Points (stated worth Rs. 1,500) on payment of first annual fee, credited within 45 days	₹500 gift voucher on activation (T&C: for lifetime-free cards issued 1 Oct to 31 Dec 2025, on 1 transaction within 37 days)
Milestone benefits	2,500 Reward Points on annual travel spends of Rs. 50,000 5,000 Reward Points on annual travel spends of Rs. 1 lakh Annual fee reversal on spends of Rs. 2 lakh	₹500 gift voucher every calendar quarter on spends of ₹30,000 or more (cards issued from 1 Oct 2025; older cards moved to calendar quarters from 1 Jan 2026) Renewal fee waived on ₹1.5 lakh annual spends
Fuel surcharge waiver	1% waiver on transactions of Rs. 500 to Rs. 4,000 at all petrol pumps in India; max Rs. 250 per statement cycle	1% fuel surcharge waiver on transactions of ₹400 to ₹5,000; maximum waiver ₹250 per statement cycle
Insurance cover	Fraud liability cover of Rs. 1 lakh. Complimentary air accident cover of Rs. 50 lakh and rail accident cover of Rs. 10 lakh discontinued from 26 July 2025.	Not published by the bank
Interest on unpaid balances	Up to 3.75% a month (45% a year)	Up to 3.75% a month (45% a year)
Late payment fee	Nil up to Rs.100; Rs.100 (Rs.100-500); Rs.500 (Rs.500-1,000); Rs.750 (Rs.1,000-10,000); Rs.950 (Rs.10,000-25,000); Rs.1,100 (Rs.25,000-50,000); Rs.1,300 (above Rs.50,000) of outstanding amount due; plus Rs.100 additional if MAD is missed two consecutive cycles (continues each cycle until MAD is cleared). Taxes extra.	Late payment charges (excl. GST), basis the bill amount, w.e.f. 1 Aug 2024: nil up to ₹100; ₹100 for ₹101 to ₹500; ₹500 for ₹501 to ₹1,000; ₹600 for ₹1,001 to ₹5,000; ₹750 for ₹5,001 to ₹10,000; ₹900 for ₹10,001 to ₹25,000; ₹1,100 for ₹25,001 to ₹50,000; ₹1,300 above ₹50,000. Charged when the Minimum Amount Due is not paid; account is reported past due and late fee levied only after 3 grace days from the due date.
Cash withdrawal	2.5% of transaction amount, minimum Rs.500, at domestic and international ATMs; finance charges from the date of withdrawal (no free credit period); max Rs.15,000 cash per day at ATMs (MCC 6011), within cash limit.	2.5% of the amount withdrawn or ₹500, whichever is higher, plus finance charges at the revolving rate from the date of withdrawal until full payment.
Age (salaried)	21 years or above (minimum). Maximum age stated as 60 years in one place and 70 years in another on SBI Card's listing page	21 to 60 years
Income (salaried)	Stable income; SBI Card says the specific minimum varies by card and does not publish it for this card	Monthly income of ₹12,000
Income (self-employed)	Stable income; minimum not published for this card	Annual ITR above ₹6 lakh
Documents	PAN card (for digital KYC) Copy of Aadhaar card with first 8 digits masked, or any valid government address proof (for digital KYC) Income documents such as salary slip or income tax return may be required, depending on card eligibility and SBI Card policy	Identity proof, address proof and income proof (HDFC Bank general guidance; the card page's document list could not be read) Existing HDFC Bank customers may not need to submit them again
Last verified	5 November 2026	5 November 2026

Two IRCTC cards built for two kinds of rail habit

Both cards are meant for people who books trains through IRCTC, and on paper they look alike: 8 railway lounge visits a year, a fuel surcharge waiver, a 3.5% forex markup. They part ways on how hard each one reward a ticket and how much it costs to keep.

SBI Card's Premier charges ₹1,499 plus GST and pays 10 Reward Points per ₹100 on AC1, AC2, AC3, Executive Chair Car and Chair Car tickets bought on the IRCTC website or app, with no monthly or yearly cap. HDFC's card charges ₹500 plus GST and pays 5 points per ₹100 on train tickets from the IRCTC website, Rail Connect or SmartBuy, but those 5X points stops at 1,000 a month.

Who each card suits

SBI Premier: a household putting ₹5,000 or more a month on AC tickets, that eats out now and then and can cross ₹2 lakh of yearly spends so the renewal fee is reversed.
HDFC IRCTC: someone who takes a train every few weeks, or who don't mind booking on SmartBuy, where 5% cashback is paid over and above the points.

The short verdict

For steady AC travel booked on the IRCTC app, SBI earns twice as much per ticket and keeps earning after HDFC's cap is full. For light rail users, HDFC's lower fee and its ₹500 quarterly voucher makes it the better buy, even though its points can only go back into train tickets.

Both cards are taking applications as of 5 November 2026. The change worth knowing are on the SBI side, where the free ₹50 lakh air accident and ₹10 lakh rail accident covers ended on 26 July 2025.

What each card costs to hold

SBI's card has a joining fee and an annual fee of ₹1,499 each, plus GST. With 18% GST that is ₹1,768.82 a year (₹1,499 plus ₹269.82). The MITC reverses the renewal when you spend ₹2 lakh or more in the preceding year, about ₹16,667 a month (₹2,00,000 divided by 12). The card page's fee section leaves the waiver out, but the MITC and the same page's benefits list both carry it, so we has gone with the MITC.

HDFC's card is ₹500 plus GST to join, billed on the 45th day after the card is issued, and ₹500 plus GST to renew, so ₹590 with tax. Spend ₹1.5 lakh in the year before your renewal date and the renewal fee is waived. That is ₹12,500 a month (₹1,50,000 divided by 12).

Add-on cards cost nothing on either. In year one, SBI credits 1,500 Reward Points, stated worth ₹1,500, once the first annual fee is paid, which take most of the sting out of ₹1,768.82. HDFC's product page talks about a ₹500 gift voucher on activation, but the terms limit it to lifetime-free cards issued from 1 October to 31 December 2025, so a new applicant should not plan on it.

Charges side by side

Charge	IRCTC SBI Card Premier	IRCTC HDFC Bank
Interest	3.75% a month, 45% a year	3.75% a month, 45% a year
Late fee, top slab	₹1,300 above ₹50,000 due	₹1,300 on a bill above ₹50,000
Cash withdrawal	2.5%, minimum ₹500	2.5% or ₹500, whichever is higher
Rent payments	₹199 plus taxes per transaction	1%, capped at ₹4,999 per transaction
Wallet loads	1% of each load above ₹1,000	1% once loads pass ₹10,000 in a month
Forex markup	3.5%	3.5%

From 1 December 2026 SBI Card charges 1% on every transport transaction above ₹30,000 (merchant codes 4111, 4784 and 4131) and 1% on all fuel in a cycle once fuel crosses ₹50,000. Paying late on either card cost up to ₹1,300 plus GST. HDFC's MITC charges 1% plus GST on railway tickets bought with any HDFC card other than this one, so for an HDFC customer it's the card to keep for train bookings.

How the points add up

SBI's Premier earns 10 points per ₹100 on AC and chair car tickets from the IRCTC website and app, which is 10% at ₹1 a point. Points are calculated on the base fare of the booking including co-travellers, but SBI pays them only when the cardholder is a passenger on that ticket. Air tickets on IRCTC's air site and IRCTC e-catering earn 5 points per ₹125. The card page says 5% back, though by SBI's own terms it is 4% (5 divided by 125), and air earning is capped at 750 points a statement cycle.

Dining and standing instructions on utility bills get 3 points per ₹125 (2.4%), other retail 1 point per ₹125 (0.8%). Points moves to your IRCTC loyalty account on the 15th of every month, and SBI Card does not publish what they fetch there beyond the ₹1 conversion in its terms. Fuel, wallet loads, rent (since 15 April 2024) and government payments (since 15 July 2024) earns nothing.

HDFC's card pays 5 points per ₹100 on train tickets booked on the IRCTC website, Rail Connect or SmartBuy. Its terms cap those 5X points at 1,000 a month and 12,000 a year, so the full rate holds till about ₹20,000 of tickets a month (1,000 points divided by 5 points per ₹100). Book the same ticket on SmartBuy and HDFC adds 5% cashback, capped at ₹1,000 a month. All other spends earns 1 point per ₹100, up to 1,000 points a month.

The catch is what HDFC's points can buy. They're worth ₹1 only through Points + Pay on train tickets at SmartBuy, for up to 70% of a fare, and each redemption costs ₹99 plus 18% GST, so ₹116.82. They can't be taken as statement cashback.

Three rail travellers, both cards

A point is ₹1 on both cards, ticket amounts are treated as base fare, and this is year two, when each renewal is waived or charged. HDFC's ₹500 voucher needs ₹30,000 in a calendar quarter, which all three profile reach (₹10,000 times 3).

Per year	Light: ₹10,000 a month	Typical: ₹25,000 a month	Heavy: ₹60,000 a month
Monthly split	₹2,000 AC tickets, ₹8,000 other	₹5,000 AC tickets, ₹2,000 dining, ₹18,000 other	₹24,000 AC tickets, ₹4,000 dining, ₹3,000 IRCTC air, ₹29,000 other
SBI points a month	264	692	2,848
SBI renewal fee	₹1,768.82	Waived	Waived
SBI net value	₹1,399.18	₹8,304	₹34,176
HDFC points a month	180	450	1,360
HDFC quarterly vouchers	₹2,000	₹2,000	₹2,000
HDFC renewal fee	₹590	Waived	Waived
HDFC net, booked on IRCTC	₹3,570	₹7,400	₹18,320
HDFC net, booked on SmartBuy	₹4,770	₹10,400	₹30,320

Light: SBI earns 200 points on tickets (₹2,000 at 10 per ₹100) and 64 on the rest (₹8,000 divided by 125), so 264 a month and 3,168 a year. Yearly spends of ₹1.2 lakh (₹10,000 times 12) miss the ₹2 lakh waiver, and ₹3,168 minus ₹1,768.82 leave ₹1,399.18. HDFC earns 100 plus 80, so 180 a month or 2,160 a year, plus ₹2,000 of vouchers, less ₹590: ₹3,570. On SmartBuy, 5% of ₹2,000 adds ₹100 a month, ₹1,200 a year, for ₹4,770.
Typical: SBI gives 500 on tickets (₹5,000 at 10 per ₹100), 48 on dining (₹2,000 at 3 per ₹125) and 144 on the rest (₹18,000 divided by 125), which is 692 a month and 8,304 a year, with the fee waived at ₹3 lakh (₹25,000 times 12). HDFC gives 250 plus 200 (₹20,000 at 1 per ₹100), so 450 a month or 5,400 a year, plus ₹2,000 of vouchers: ₹7,400. SmartBuy's 5% of ₹5,000 is ₹250 a month, ₹3,000 a year, taking it to ₹10,400.
Heavy: SBI gives 2,400 on tickets (₹24,000 at 10 per ₹100), 96 on dining (₹4,000 at 3 per ₹125), 120 on IRCTC air (₹3,000 at 5 per ₹125, well under the 750 cap) and 232 on the rest (₹29,000 divided by 125): 2,848 a month, 34,176 a year. HDFC hits the 1,000-point rail cap, since ₹24,000 at 5 per ₹100 would be 1,200, and earn 360 on the other ₹36,000 (₹3,000 plus ₹4,000 plus ₹29,000), so 1,360 a month and 16,320 a year, plus ₹2,000 of vouchers: ₹18,320. SmartBuy's 5% of ₹24,000 would be ₹1,200 but is capped at ₹1,000, adding ₹12,000 a year for ₹30,320.

So HDFC take the light case, and the typical one too on SmartBuy, while SBI pulls away once tickets run past HDFC's caps. Knock ₹116.82 off HDFC's figure per redemption. SBI's travel milestones (2,500 points at ₹50,000 of travel spends a year, 5,000 at ₹1 lakh) could add more, but the codes counted as travel sit in a document we have not read, so we left them out.

Lounges, IRCTC charges, fuel and forex

Lounge access is a tie on the count: 8 complimentary railway lounge visits a year on each, no more than 2 in a quarter, and no airport lounge on either. SBI's visits are for the primary cardholder only. HDFC's IRCTC Executive Lounge visits include supplementary cardholders, but you show the card with a valid train ticket and pay a ₹2 validation charge.

Both cards take care of IRCTC's own convenience charge. SBI says the Premier saves the 1% transaction charge on railway tickets and 1.8% on air tickets booked through IRCTC. HDFC reverses the 1% IRCTC charge on bookings made on the IRCTC website or app, Rail Connect or SmartBuy, up to ₹1,000 a month, a limit only a ₹1 lakh month of tickets would touches (1% of ₹1,00,000).

The fuel waiver is 1% on both, capped at ₹250 per statement cycle. SBI's applies to fills of ₹500 to ₹4,000 at any petrol pump in India, HDFC's to fills of ₹400 to ₹5,000, and fuel earns no points on either card.

Abroad, both add a 3.5% markup, so ₹10,000 spent overseas cost ₹350 more on either one.

Insurance, welcome and milestones

Insurance: SBI keeps a fraud liability cover of ₹1 lakh, but its ₹50 lakh air accident and ₹10 lakh rail accident covers were discontinued from 26 July 2025. We found no insurance listed for the HDFC card, something to keep in the mind if you travel a lot.
Welcome: SBI credits 1,500 points within 45 days of the first annual fee. HDFC's activation voucher is limited by its terms to lifetime-free cards issued 1 October to 31 December 2025.
Milestones: SBI gives 2,500 points on ₹50,000 of travel spends in a year and 5,000 on ₹1 lakh. HDFC gives a ₹500 gift voucher in every calendar quarter you spend ₹30,000 or more, so up to ₹2,000 a year (4 quarters times ₹500).

On UPI, SBI's card comes in Visa and RuPay versions and the RuPay one works on UPI. HDFC hasn't stated its card's network; its terms cap UPI points at 500 a month, which hints at RuPay, but until the bank say so, don't pick it for UPI.

Who can apply for each

HDFC is the one that put numbers on paper. Salaried applicants must be 21 to 60 years old with a monthly income of ₹12,000, self-employed applicants 21 to 65 with an annual ITR above ₹6 lakh, and both must be Indian nationals. For a first card that floor is quite reachable.

SBI Card publishes no minimum income for this card, or for any of its cards. Its listing page asks salaried applicants to be 21 or older and gives the maximum age as 60 in one place and 70 in another, so we show both. Self-employed people must be above 25, retired pensioners above 40 can apply, and SBI prefers a credit score of 750 to 900. Its card finder files the Premier under a monthly income of 50 to 99K, but that is a browsing filter and not a eligibility rule.

Rule	IRCTC SBI Card Premier	IRCTC HDFC Bank
Age, salaried	21 and above; maximum 60 or 70 (SBI states both)	21 to 60
Age, self-employed	Above 25	21 to 65
Income	Not published	₹12,000 a month salaried; ITR above ₹6 lakh self-employed
Credit score	Preferably 750 to 900	Not published
Documents	PAN, masked Aadhaar or other address proof, income proof if asked	Identity, address and income proof
How to apply	Online, chatbot ILA, helpline or SBI branch	Online or at an HDFC Bank branch

Existing HDFC customers may not need to submit documents again. Whatever the published rule says, approval is the bank's decision: RBI requires every issuer to assess your independent financial means, and if it turns you down it must give you the specific reasons in writing. If your credit file is thin or empty, our guide on getting a card with no credit history walk through the realistic routes.

Pros and cons

Pros

SBI Premier pays 10 points per ₹100 on AC and chair car tickets on the IRCTC app, with no monthly cap
SBI Premier earns 3 points per ₹125 (2.4%) on dining and utility standing instructions
HDFC IRCTC costs ₹500 plus GST, waived at ₹1.5 lakh of yearly spends
HDFC IRCTC adds a ₹500 voucher in each calendar quarter with ₹30,000 of spends
HDFC IRCTC adds 5% cashback on train tickets booked on SmartBuy, up to ₹1,000 a month

Cons

SBI Premier's ₹1,499 plus GST fee is reversed only at ₹2 lakh of yearly spends
SBI Premier lost its air and rail accident covers on 26 July 2025
HDFC IRCTC caps its rail points at 1,000 a month and 12,000 a year
HDFC IRCTC points pay only for train tickets on SmartBuy, at ₹99 plus GST per redemption
Neither card lists airport lounges, and both charge a 3.5% forex markup

Frequently asked questions

Which is cheaper to hold, IRCTC SBI Card Premier or IRCTC HDFC Bank?

The IRCTC HDFC Bank card. It costs ₹500 plus GST a year, ₹590 in all, and the renewal is waived when you spend ₹1.5 lakh in the year before renewal. IRCTC SBI Card Premier costs ₹1,499 plus GST, ₹1,768.82 in all, and is reversed only at ₹2 lakh of yearly spends.

How much is a reward point worth on each IRCTC card?

Both cards value a point at ₹1, but you spend them in different places. SBI moves its points to your IRCTC loyalty account on the 15th of each month for use on the IRCTC website or app. HDFC's points are worth ₹1 only against train tickets on SmartBuy through Points + Pay, for up to 70% of the fare, and each redemption costs ₹99 plus GST.

What income do I need for these IRCTC credit cards?

HDFC asks salaried applicants for a monthly income of ₹12,000 and an age of 21 to 60, and self-employed applicants for an ITR above ₹6 lakh. SBI Card publishes no minimum income for the Premier, asks for age 21 or above (above 25 if self-employed) and prefers a credit score of 750 to 900. In both cases approval is the bank's decision.

Do the IRCTC SBI and HDFC cards give airport lounge access?

No. Each card gives 8 complimentary railway lounge visits a year, with no more than 2 a quarter, and neither lists airport lounges. SBI's visits are for the primary cardholder only, while HDFC's IRCTC Executive Lounge visits include supplementary cardholders and carry a ₹2 validation charge. Both cards also add a 3.5% markup on foreign currency spends.

What has changed on the IRCTC SBI Card Premier recently?

SBI Card ended the free ₹50 lakh air accident and ₹10 lakh rail accident covers from 26 July 2025. Rent stopped earning points from 15 April 2024 and government payments from 15 July 2024, and since 26 December 2024 points are given on the complete booking and stay valid for 2 years. From 1 December 2026 a 1% fee applies to transport transactions above ₹30,000.

Is it worth booking IRCTC tickets through HDFC SmartBuy?

Yes, if you hold the HDFC card. Train tickets booked on SmartBuy earn the usual 5 points per ₹100 plus 5% cashback, capped at ₹1,000 a month and ₹12,000 a year, so together they match SBI's 10% until about ₹20,000 of tickets a month. Beyond that both HDFC caps are full, and SBI's uncapped rate pays more.

Sources

SBI Cards and Payment Services Ltd: Most Important Terms & Conditions (PDF 'MITC- Common-30OCT26', Ver FY 27, 16); IRCTC SBI Card Premier T&C booklet; IRCTC SBI Card Premier product page (page content served from SBI Card's card data file); SBI Card credit card listing (data feed behind the 'Credit Cards' listing page and card finder); SBI Card credit cards listing page, 'Get ready to apply' checklist (content file /templatedata/common/content-tab)
HDFC Bank: Part I Key Fact Statement cum Most Important Terms and Conditions (MITC), English, Version 4.18; Terms & Conditions – IRCTC HDFC Bank Credit Card; IRCTC HDFC Bank Credit Card Fees & Charges; IRCTC Executive Lounge Programme (FAQ); IRCTC HDFC Bank Credit Card (product page)

Last verified: 5 November 2026

Written by Abhishek Kumar, reviewed by BankCreds Financial Experts

BankCreds does not sell cards or take applications. Fees and rewards change; the bank's own terms on the day you apply are what count, and approval is the bank's decision.