Earn 5 Reward Points for every ₹100 spent on the IRCTC ticketing website and Rail Connect App; 1 RP = ₹1 at redemption via SmartBuy
Get an additional 5% cashback on train ticket bookings made via HDFC Bank SmartBuy, capped at 70% of the total fare
Save with a 1% transaction charges waiver on all bookings made via the IRCTC website and Rail Connect App
Enjoy complimentary access to select IRCTC Executive Lounges at partner railway stations across India
Earn a ₹500 gift voucher every calendar quarter on eligible spends of ₹30,000 or more, plus up to 50 days of interest-free credit on retail purchases
Fees
Joining FeeJoining fee is offset through a ₹500 gift voucher on card activation.
Free
Lifetime Free
Annual FeeThe annual fee is waived if you spend ₹1.5 lakh or more in a year on your card, as per bank policy.
Free
Lifetime Free
Eligibility
Age
21-60 years
Salary
₹25K / Month
Credit Score
720+
Bank Fee Structure
Forex Markup3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. Examples (3.5%): ₹100 → ₹3.5 ₹1,000 → ₹35 ₹10,000 → ₹350 ₹1,00,000 → ₹3,500
3.50%
Finance Charges (APR)3.6% monthly fee. Credit cards allow you for a interest free payment period of 20-55 days. However, if you fail to make payment for your statement in due time then bank starts charging interest. A simple way to avoid heavy interest rates over long time is to convert your large spends in EMIs. Normally bank charges 16% p.a interest on EMIs however if you fail to pay in time then annual interest can reach upto 43.2%
3.60%
ATM Withdrawal2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable).
2.50%
Reward RedemptionNo fee is charged when redeeming reward points on this card.
Not Applicable
Railway SurchargeSurcharge on booking or cancelling railway tickets will be levied as prescribed by IRCTC or Indian Railways and may vary based on their applicable charges.
As prescribed by IRCTC / Indian Railways
Rent Payment1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges
1%
Cheque PaymentA fee of ₹50 of the payment amount is levied for cheque return, cheque dishonour, or auto-debit reversal
₹50
Cash Payment₹250 cash payment fee per deposit
₹100
Late Payment Charges
Amount due
Fee
₹0
₹0
₹1–₹500
₹400
₹501–₹5,000
₹750
₹5,001–₹10,000
₹950
₹10,001–₹25,000
₹1,100
₹25,001–₹50,000
₹1,300
Above ₹50,001
Additional ₹100 is charged if Minimum Amount Due remains unpaid for two consecutive cycles, continuing until cleared
The bank may offer a different card variant based on your eligibility. Please carefully read the features of the card offered before submitting your application
A minimum transaction of Rs.100 within 30 days is required to activate the card, otherwise, you won’t be eligible for the Rewards
