IRCTC on RuPay Credit Card
Rs 500Annual fee
0Domestic lounge
3.5%Forex markup
Best for
Railway, IRCTC, Travel, Rupay, Low Fee
Top rewards
Eligible Railway Ticket Bookings On IRCTC: 10 Reward Points / ₹100 spent; Other Eligible Non-Fuel Retail Purchases: 1 Reward Point / ₹125 spent
IRCTC 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 ₹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 / ₹100 spent; Other Eligible Retail Spends: 1 Reward Point / ₹100 spent; Insurance Spends (capped): 1 Reward Point / ₹100 spent
| Feature | IRCTC on RuPay Credit Card | IRCTC Credit Card |
|---|---|---|
| Issuer | SBI Card | HDFC Bank |
| Network | RuPay | RuPay |
| Joining fee | Rs 500 | Rs 500 |
| Annual fee | Rs 500 | Rs 500 |
| Fee waiver spend | - | Rs 1,50,000 |
| Reward type | Reward Points | Reward Points |
| Best for | Railway, IRCTC, Travel, Rupay, Low Fee | Train Travel, IRCTC, Rail Lounge, Low Fee |
| Top reward categories | Eligible Railway Ticket Bookings On IRCTC: 10 Reward Points / ₹100 spent; Other Eligible Non-Fuel Retail Purchases: 1 Reward Point / ₹125 spent | IRCTC Ticketing Website And Rail Connect App: 5 Reward Points / ₹100 spent; Other Eligible Retail Spends: 1 Reward Point / ₹100 spent; Insurance Spends (capped): 1 Reward Point / ₹100 spent |
| SmartBuy / accelerated caps | Not Listed | Not Listed |
| Domestic lounge | 0 | 0 |
| International lounge | 0 | 0 |
| Forex markup | 3.5% | 3.5% |
| Milestone benefits | Not Listed | Gift voucher worth ₹500 every calendar quarter on spends of ₹30,000 or more in that quarter, Renewal fee waived on spends of ₹1,50,000 or more in the anniversary year |
| Redemption | Not Listed | Not Listed |
| Key exclusions | fuel, cash withdrawal, fees and charges, disputed transactions | 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 |