# IRCTC HDFC Bank (RuPay)

HDFC Bank · RuPay. ₹500 fee · 3.5% forex · 1 RP / ₹100 (rail-redeem @ ₹1).

verified · checked 14 June 2026 · Source: https://cardinsider.com/hdfc-bank/hdfc-bank-rupay-irctc-credit-card/

## How it earns (2)

- 1 RP / ₹100 (rail-redeem @ ₹1) · verified · checked 14 June 2026
- 5X (5 RP/₹100) on IRCTC bookings (cap 1,000 RP/mo) · cap 1,000 points per month · verified · checked 14 June 2026

## On gift vouchers

- Gift vouchers earn nothing on this card.

Worked out on a ₹10,000 voucher with no deal running. Card data current to 21 October 2026.
Every card on vouchers: https://voucher.getbrief.cards/best-cards-for-vouchers

## What earns nothing (2)

- No RP on gift card / voucher purchases
- No RP: fuel, wallet, gift, cash, govt, education, rent (UPI capped 500 RP/mo)

## Milestones (1)

- ₹500 gift voucher @ ₹30K/quarter · ₹500 at ₹30,000 spend per quarter · verified · checked 14 June 2026

## Lounges (1)

- 8 IRCTC executive lounge visits a year, at most 2 a quarter. Railway lounges only, not airports. · IRCTC Executive Lounge · domestic · 8 per year

## Fees

- Annual fee: ₹500 + GST
  Waived at ₹1,50,000 spend per card year
- Forex markup: 3.5%
- DCC markup: 1.75%
- Earns: IRCTC Reward Points (rail-locked) · ₹1 a point at baseline

## Dated changes (2)

- Devaluation · 1 July 2025: HDFC added 1% fees on rent, wallet, utilities and gaming (https://getbrief.cards/changes#hdfc-fee-regime)
- Devaluation · 1 September 2024: HDFC capped reward points on utilities and telecom (https://getbrief.cards/changes#hdfc-util-cap)

Every change, dated: https://getbrief.cards/changes

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Fees are before GST. A rate that has aged says so. Brief is not a financial adviser and takes no fee from any bank for the order of this page.

All cards: https://getbrief.cards/cards
Canonical: https://getbrief.cards/cards/hdfc-irctc-rupay