Verified — 16/16 categories
HDFC
IRCTC HDFC
Best forRailways & Shopping
Earns5% effective (5 RP/₹100) on railways
1st Year / Joining Fee
₹500 + taxes
Renewal Fee
Not recorded
Fee waiver
₹1,50,000
annual spend
Network
Not recorded
HDFC
IRCTC HDFC
Why this card may suit you
Based on the card's verified terms.
- Best suited to spending on railways and shopping, where it earns 5% effective (5 RP/₹100)
- Annual fee is waived at ₹1,50,000 yearly spend
How you earn
Reward rates at a glance — exactly as recorded for this card.
Railways5% effective (5 RP/₹100)
Shopping1% effective (1 RP/₹100)
Travel5X RP on IRCTC ticketing
All 16 reward categories · 16 of 16 categories verified
| Category | Rate | Cap | Condition |
|---|---|---|---|
| Rent | No reward | — | —Details
|
| Education | — | — | Education reward eligibility subject to direct institution payment channelDetails
|
| Insurance | — | — | Insurance rewards subject to 2,000 RP/month common capDetails
|
| Utilities | — | — | Utility rewards subject to 2,000 RP/month common capDetails
|
| Fuel | No reward | — | —Details
|
| Groceries | — | — | Grocery rewards subject to standard 1,000 RP/month cap tierDetails
|
| Dining | — | — | HDFC verified rule for DiningDetails
|
| Food Delivery | — | — | HDFC verified rule for Food DeliveryDetails
|
| Shopping | 1% effective (1 RP/₹100) | — | HDFC verified rule for ShoppingDetails
|
| Travel | 5X RP on IRCTC ticketing | — | 5X RP on IRCTC ticketing (capped 1,000 RP/mo)Details
|
| Government | No reward | — | —Details
|
| Wallet | No reward | — | —Details
|
| Railways | 5% effective (5 RP/₹100) | 1,000 RP per month | 5X RP on IRCTC ticketing via irctc.co.in/app (capped 1,000 RP/mo)Details
|
| FASTag | — | — | HDFC verified rule for FASTagDetails
|
| Jewellery | — | — | HDFC verified rule for JewelleryDetails
|
| Telecom | — | — | HDFC verified rule for TelecomDetails
|
“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.
Cost & caps
What it costs to hold, and where rewards stop.
1st Year / Joining Fee
₹500 + taxes
Renewal Fee
Not recorded
Fee waiver
₹1,50,000
annual spend
Reward caps
- Railways — 1,000 RP / month (per category — Railways)
Spending thresholds
- Spend ₹1,50,000 per card year → annual fee waived
Key benefits
Rewards
5% effective (5 RP/₹100) on railways
Fee waiver
Annual fee waived on ₹1,50,000 annual spend
Important to know
Limits and exclusions that change what you earn.
- Railways rewards are capped at 1,000 RP / month (per category — Railways)
- No reward on: Rent, Fuel, Government, Wallet
- Spend ₹1,50,000 per card year → annual fee waived
Who should consider this card
✓ Good fit if
- Your spending is concentrated in railways, shopping, travel
- You can reach the ₹1,50,000 annual spend that waives the fee
△ Less useful if
- Much of your spending is in rent, fuel, government, which earn nothing
- You cannot reach the fee-waiver spend and would pay the annual fee
Full details
Everything else, expanded on demand.
Caps & exclusions · 1 caps · 4 no-reward categories
Caps
- Railways — 1,000 RP / month (per category — Railways)
Categories with no reward or not eligible
- Rent — No reward.
- Fuel — No reward.
- Government — No reward.
- Wallet — No reward.
Milestones · 1 recorded
- Spend ₹1,50,000 per card year → benefit worth ₹500 — Annual fee waiver on spending ₹1.5 lakh in a year.
Eligibility
Subject to HDFC's underwriting and eligibility criteria. See the issuer's terms for current requirements.
Specifications
- Payment network: Not recorded
- Airport lounge: Not recorded by DhanChakshu — check the issuer terms
- Fuel surcharge waiver: Not recorded by DhanChakshu — check the issuer terms
- Foreign-currency markup: Not recorded by DhanChakshu — check the issuer terms
What DhanChakshu couldn't fully verify · 4 areas
4 areas need further verification. None of these are counted as zero.
- • Lounge benefit — not recorded; check the issuer terms
- • Fuel surcharge waiver — not recorded; check the issuer terms
- • Foreign-currency markup — not recorded; check the issuer terms
- • Payment network — not recorded
Sources & verification
Verification & sources · last checked 2026-09-22
Verification coverage: All 16 categories verified
Card record last checked: 2026-09-22
Documents used
IRCTC rewards, 5X rail, redemption, fee waiver · HDFC-PASS6-09