HDFC Bank RuPay IRCTC Credit Card
HDFC Bank RuPay IRCTC Credit Card from HDFC Bank is covered here with fees, rewards, benefits, exclusions, fuel/forex charges and Zlash's practical verdict for Indian users.
Annual fee: Rs 500 | Reward type: Reward Points | Best for: Travel, Upi
Estimated value per Rs 100 of eligible spend.
HDFC Bank RuPay IRCTC Credit Card Overview
HDFC Bank RuPay IRCTC Credit Card is a HDFC Bank credit card. Base reward value is about Rs 1 per Rs 100 of eligible spend. Zlash checks boosted categories like travel, UPI along with caps and exclusions.
Best For
HDFC Bank RuPay IRCTC Credit Card is most useful when your spends regularly fall into travel, UPI.
Rewards
travel
5x the base reward rate.
Monthly cap: Rs 1,000
UPI
1x the base reward rate.
Monthly cap: Rs 500
Not Good For
- Spends in excluded categories such as fuel, wallet reloads, gift or prepaid card loads, voucher purchases, cash advances.
- International transactions if you need low forex markup; this card lists 3.5% markup.
Welcome And Travel Benefits
Welcome: Includes welcome value up to Rs 500 and voucher-based benefits.
Travel: Travel benefit is listed in extracted facts; confirm access rules with the issuer before relying on it.
Fuel And Forex Charges
1% fuel surcharge waiver on eligible fuel transactions.
3.5% foreign currency markup.
Reward Exclusions
Milestone Benefits
- Spend Rs 30,000 in a quarterly period for benefit value around Rs 500.
Zlash Verdict
Choose this card when travel, upi match your normal spend pattern. Skip it for categories that are excluded from rewards or where another card gives a cleaner direct discount.
This page is generated from normalized card facts, not copied review prose. Zlash uses this structure so card data can power both public SEO pages and future in-app card detail views.
FAQ
What is the annual fee of HDFC Bank RuPay IRCTC Credit Card?
The listed annual fee is Rs 500.
What is HDFC Bank RuPay IRCTC Credit Card best used for?
HDFC Bank RuPay IRCTC Credit Card is most useful when your spends regularly fall into travel, UPI.
Does HDFC Bank RuPay IRCTC Credit Card have reward exclusions?
Yes. The extracted exclusions include fuel, wallet reloads, gift or prepaid card loads, voucher purchases, cash advances, government related transactions.
How does Zlash use this card data?
Zlash uses fee, reward, cap and exclusion facts to estimate effective prices after eligible payment rewards.