IRCTC HDFC Bank Credit Card
Rs 500Annual fee
Rs 1,50,000Fee waiver spend
0Domestic lounge
Domestic lounge conditions
- 8 complimentary IRCTC Executive Lounge visits per year (max 2 per quarter). A Rs 2 validation charge applies per visit.
- Access requires presenting a valid, unexpired IRCTC HDFC Bank Credit Card and valid train ticket at the lounge entrance.
- Excess visits beyond 2 per quarter are chargeable at the lounge's discretion.
3.5%Forex markup
Best for
train travel, irctc, rail lounge, low fee
Top rewards
IRCTC ticketing website and Rail Connect App: 5 Reward Points / Rs 100 spent; Other eligible retail spends: 1 Reward Point / Rs 100 spent; Insurance spends (capped): 1 Reward Point / Rs 100 spent
IRCTC BOBCARD
Rs 350Annual fee
0Domestic lounge
Domestic lounge conditions
- 4 complimentary partner railway lounge visits per year, limited to 1 per quarter
- The lounge benefit is for partner railway lounges only, not airport lounges, so loungeDomestic remains 0 to avoid mislabeling in airport-lounge UI.
3.5%Forex markup
Best for
irctc, railway lounge, grocery, departmental stores, travel
Top rewards
IRCTC train ticket bookings (via IRCTC website/app): Up to 40 reward points per Rs 100; Grocery and departmental store spends: 4 reward points per Rs 100; Other eligible spends: 2 reward points per Rs 100
| Feature | IRCTC HDFC Bank Credit Card | IRCTC BOBCARD |
|---|---|---|
| Issuer | HDFC Bank | Bank of Baroda |
| Network | RuPay | RuPay |
| Joining fee | Rs 500 | Rs 500 |
| Annual fee | Rs 500 | Rs 350 |
| Fee waiver spend | Rs 1,50,000 | - |
| Reward type | reward points | reward points |
| Best for | train travel, irctc, rail lounge, low fee | irctc, railway lounge, grocery, departmental stores, travel |
| Top reward categories | IRCTC ticketing website and Rail Connect App: 5 Reward Points / Rs 100 spent; Other eligible retail spends: 1 Reward Point / Rs 100 spent; Insurance spends (capped): 1 Reward Point / Rs 100 spent | IRCTC train ticket bookings (via IRCTC website/app): Up to 40 reward points per Rs 100; Grocery and departmental store spends: 4 reward points per Rs 100; Other eligible spends: 2 reward points per Rs 100 |
| SmartBuy / accelerated caps | Not listed | Not listed |
| Domestic lounge | 0 | 0 |
| International lounge | 0 | 0 |
| Forex markup | 3.5% | 3.5% |
| Milestone benefits | Gift voucher worth Rs 500 every calendar quarter on spends of Rs 30,000 or more in that quarter, Renewal fee waived on spends of Rs 1,50,000 or more in the anniversary year | 1,000 bonus reward points on a single transaction of Rs 1,000 or more within 45 days of card issuance |
| Redemption | Not listed | Statement credit: upto Rs 0.25 per point |
| Key exclusions | Fuel transactions, Wallet loading, gift card loading, prepaid card loading, and voucher purchases, Cash advances, Payment of outstanding balances, Payment of card fees and other charges, Government related transactions | fuel spends eligible for surcharge waiver do not earn reward points, IRCTC rewards require linking the card loyalty number with IRCTC login ID, taxes and charges excluded as per BOBCARD terms |