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HDFC Bank
A co-branded card for people who book trains often — about 10% back on IRCTC through SmartBuy, and very little anywhere else.
One-time
Waived on ₹1,50,000/yr
Uncapped rewards
Score 750+
Applying takes you to HDFC Bank. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms confirmed against the issuer
2 reward rates with their own caps, 6 recorded limitations, and every figure below traced to a source.
See where each figure came fromTravel
No published ceiling on this tier
Everything else
No published ceiling on this tier
UPI spends on the RuPay variant earn at most 500 Reward Points a calendar month All exclusions
Data-driven verdict based on net earnings after fees and caps.
Key strength
5% on Travel — 5 Reward Points per ₹100 on the IRCTC website and Rail Connect app — about 5% back, since a point redeems at ₹1 against train bookings, with no stated cap.
Biggest limitation
Points cover at most 70% of a train fare, so the headline 5% is closer to 3.5% when you pay with points alone.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
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Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
5 pts
uncappedTravel
5 Reward Points per ₹100 on the IRCTC website and Rail Connect app — about 5% back, since a point redeems at ₹1 against train bookings
1 pts
uncappedEverything else
1 Reward Point per ₹100 on all other eligible retail spends
A point is worth ₹1 against train bookings, and points can cover at most 70% of the fare. That 70% ceiling is what makes the headline 5% closer to 3.5% in practice on a fare paid entirely with points.
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | ₹500 | — |
| Annual / renewal fee | ₹500 | Renewal fee waived on ₹1,50,000 of spend in the anniversary year, before the renewal date. |
| Add-on card | As per HDFC Bank's standard add-on card policy for this card; confirm current fee/waiver on hdfc.bank.in | — |
| Cash withdrawal | As per HDFC Bank's standard cash advance charges (percentage of amount withdrawn subject to a minimum fee), plus finance charges from the withdrawal date; confirm the exact current rate on HDFC Bank's MITC page | — |
| Late payment | Nil up to ₹100; ₹100 for ₹101–₹500; ₹500 for ₹501–₹5,000; ₹600 for ₹5,001–₹10,000; ₹800 for ₹10,001–₹25,000; ₹1,100 for ₹25,001–₹50,000; ₹1,300 above ₹50,000 | — |
Interest only applies if a balance is carried past the due date. Paying in full each month costs nothing, and no reward rate on this card comes close to offsetting the interest if you do not.
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
₹500
of one-time welcome value, on top of what you earn
Every year after
₹1,50,000 a year
is what it takes to keep the ₹500 fee off — about ₹12,500 a month
No airport lounge access. The card offers 8 IRCTC Executive Lounge visits a year — railway lounges, 2 per quarter.
1% waiver. 1% waiver on transactions between ₹400 and ₹5,000 at any fuel station, capped at ₹250 a statement cycle.
Linkable to UPI. The RuPay variant links to UPI and earns Reward Points, capped at 500 points a calendar month.
We do not have insurance & protection recorded for this card. Check the issuer's page before relying on it.
Welcome — once
₹500
quantified, and kept out of every recurring figure on CredSpy
Milestones — every year
2
spend thresholds you can reach again each year
Gift voucher worth ₹500 on activating the card and making the first transaction within 30 days of issuance.
Spend ₹30,000 a quarter
₹500 gift voucher for spending ₹30,000 or more in a calendar quarter.
Spend ₹1,50,000 a year — about ₹12,500 a month
Renewal fee waived on ₹1,50,000 of spend in the anniversary year. Left unvalued on purpose — the fee engine already removes the fee, and a value here would count it twice.
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
CredSpy never collects these. You submit them to the issuer during their own application.
No reviews yet
CredSpy publishes only reviews left by real cardholders. Nothing here is generated, bought or seeded — so this stays empty until someone who holds the card writes one.
HDFC BankPhonePe HDFC Bank Uno Credit Card₹499
HDFC BankHDFC Pixel Credit Card BK₹500
HDFC BankSwiggy BLCK HDFC Bank Credit Card₹1,000
HDFC BankShoppers Stop Black HDFC Bank Credit Card₹4,500
HDFC BankHDFC Biz First Credit Card₹500
DBS BankDBS Vantage Credit Card₹20,000| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| IRCTC HDFC Bank Credit Card · this card | ₹500 | 5% travel | No |
| PhonePe HDFC Bank Uno Credit Card | ₹499 | Up to 2% cashback | No |
| HDFC Pixel Credit Card BK | ₹500 | Up to 5% cashback | No |
| Swiggy BLCK HDFC Bank Credit Card | ₹1,000 | Up to 10% cashback | No |
| Shoppers Stop Black HDFC Bank Credit Card | ₹4,500 | Up to 20 reward points per ₹100 | Included |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
₹500 plus GST, waived on ₹1,50,000 of annual spend.
The strongest published rate is 5% on travel, with no stated cap. The calculator above prices your own basket with every cap and exclusion applied.
No — airport lounge access is not offered on this card.
Yes. The RuPay variant links to UPI and earns Reward Points, capped at 500 points a calendar month.
UPI spends on the RuPay variant earn at most 500 Reward Points a calendar month Reward Points expire 24 months after they are issued The accelerated 5 Reward Points per ₹100 rate applies only to bookings made via the IRCTC website and Rail Connect app; all other retail spends earn the base 1 Reward Point per ₹100; UPI spends capped at 500 Reward Points/month No accelerated Reward Points on non-IRCTC spends beyond the base 1 point/₹100 rate; UPI spends on the RuPay variant are capped at a maximum of 500 Reward Points per calendar month
HDFC Bank publishes about ₹12,500 a month for salaried applicants, and it is usually issued above a 750 credit score. Meeting the criteria is not an approval — the issuer decides.
A point is worth ₹1 against train bookings, and points can cover at most 70% of the fare. That 70% ceiling is what makes the headline 5% closer to 3.5% in practice on a fare paid entirely with points.
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
