IRCTC HDFC Bank

Name: IRCTC HDFC Bank
Brand: HDFC Bank
Price: 500 INR

5% back on IRCTC bookings, 1 CP/₹100 elsewhere, 4 rail lounge passes a year.

Entry

Co-brand · IRCTC

UPI

travel rail

upi

Annual fee

₹500/yr

Waived @ ₹1.5L spend

Joining fee

₹500

Forex markup

3.5%

Reward value

₹0.25/pt

HDFC CashPoints

Earns HDFC CashPoints (cashback) · 1 unit ≈ ₹0.25 · expires in 24 months

Fuel excluded

Fuel

Excluded

5% IRCTC

cap ₹1K/month

5% back

Base 1 CP / ₹100

1 pts / ₹100 ≈ 0.3%