Dynamic currency conversion Markup Fee: With effect from 20th May 2026, a Markup fee of 1.75% will be levied on all transactions carried out in Indian Currency at an international location or at merchants which are located in India but registered overseas.
IRCTC HDFC Bank
HDFC Bank
Annual fee
₹500
free if you spend ₹1,50,000
Joining fee
₹500
Earns more
2Airport lounge access
Within IndiaNot confirmed
Outside IndiaNot confirmed
More from the issuer 11
Visit limits and reset periods
4) How many IRCTC Executive Lounge access/accesses are available on my IRCTC HDFC Bank Credit Card? Customer is eligible to access 8 complimentary IRCTC Executive Lounge access in a year with a maximum of 2 visit per quarter. source ↗
8 complimentary access passes to select IRCTC executive lounges every year. source ↗
8 Complimentary access to select IRCTC Executive Lounges every year (Max 2 per quarter) source ↗
Spend and eligibility
2) How do I avail the IRCTC Executive Lounge access on my IRCTC HDFC Bank Credit Card? Eligible cardholders must present their valid, unexpired eligible cards and Valid train travel ticket at the entrance to the participating lounges to avail the benefit. Rs 2/- will be charged from the customer’s account to validate the card for complimentary lounge access. source ↗
Primary, add-on and guests
3) Is the IRCTC Executive Lounge access available for supplementary card holder? Yes. IRCTC Executive Lounge access is available to supplementary card holder. source ↗
Validity and timing
Access to/ usage of service(s) may be subject to terms/ conditions/ restrictions imposed by the lounge and/ or governing authorities from time-to-time, which are required to be followed and adhered to. ➢ Participating lounges reserve the right to enforce a maximum stay policy (usually 2 or 3 hours).
Charges and exclusions
This is at the discretion of the individual lounge operator, and it may impose a charge for extended stays, which is to be borne directly by the Customer (if applicable). ➢ Access to service is subject to an authentication charge (usually INR2, or INR 25, as applicable, but subject to be changed without notice), which shall be charged to the Customer if accessing through bank card. ➢ Before extending the lounges access, name of Customer on the voucher/ card will be matched with the name on the ticket to ensure access is being availed by the entitled cardholder/ voucher holder only.
Newspaper and Magazine (*Inclusions may vary at different lounges & are subject to availability at the outlet. Any additional service such as recliners or more shall be chargeable separate as per the operator price for that service.) source ↗
Check the programme's lounge list for your airport and terminal. An international flight does not by itself make a lounge an overseas one.
Check HDFC Bank's current card page
Points
Make the most of this card
Plan for a spend milestone
Gift voucher worth ₹500 upon activating the card* Card issued till 30th Sep'25: Gift voucher worth INR 500 on quarterly (every 90 days from the card issuance date) spends of INR 30,000 or more - till 31st Dec'25. Gift voucher worth INR 500 every calendar quarter on spends of INR 30,000 or more - starting from 1st Jan'26. Card issued from 1st Oct'25 onwards: Gift voucher worth INR 500 every calendar quarter on spends of INR 30,000 or more. To know more about Milestone Benefit, Click Here
Use the bonus earning channel
Additional 5% CashBack on Train ticket booking via HDFC Bank SmartBuy.
More rules and steps
Additional 5% cashback on train ticket bookings via HDFC Bank SmartBuy.
Additional 5% Cashback on every INR 100 spent on IRCTC through HDFC Bank SmartBuy ₹ 0
Keep the rewards you earn
The accrual of the 5 HDFC Bank Reward points on IRCTC spends is capped maximum at 1,000 Reward Points per month and 12,000 Reward points Annually.
More rules and steps
1% Fuel Surcharge waiver on fuel transactions (Minimum transaction of ₹400, Maximum transaction of ₹5,000 & Maximum CashBack of ₹250 per statement cycle)
The accrual of the additional 5% cashback on Train Ticket Booking via HDFC BANK SmartBuy is capped maximum at ₹1,000 per month and ₹12,000 Reward points Annually.
Yes, you would need a minimum of 100 points to redeem. Yes, you can redeem up to a maximum of 70% of booking value through Reward Points. Rest will have to be paid via Credit Card.
Benefits
5Conditions apply — read the clause.
Conditions apply — read the clause.
Conditions apply — read the clause.
Earns, up to a limit
1The normal rate, until a ceiling in the terms.
Earns nothing
9Spend here and the terms say you earn no rewards.
Terms disagree
1Two clauses say different things. We are not guessing which one applies.
Earns the normal rate
1Dated changes
2Dates the terms name for something changing.
Dynamic currency conversion currency conversion Markup Fee: With effect from 15th May 2026, a Markup fee of 1.75% will be levied
Every line above is read from HDFC Bank's own published documents. Tap a line to see the clause. Before a large payment, check the linked document yourself.