IRCTC HDFC Bank Credit Card: Earn 5 Reward Points for every Rs 100 spent on IRCTC ticket bookings through the IRCTC website and Rail Connect App (1 Reward Point = Rs 1), and 1 Reward Point per Rs 100 spent on all other transactions. Additionally, get 5% cashback when you book a train ticket through the HDFC Bank SmartBuy Portal. Make a transaction within 37 days of card activation and get Rs 500 Gift voucher as a welcome benefit. If you spend Rs 30,000 in a quarter (1 quarter = 3 months), then get an additional Rs 500 gift voucher for each quarter. Get 8 complimentary lounge accesses each year at select IRCTC Executive Lounges. Get 1% transaction charge waiver on IRCTC bookings up to Rs 1000 per statement cycle, making every journey more rewarding and comfortable. The joining & annual fee is Rs 500 + GST, which will be waived off on spends of Rs 1,50,000 or more in a year. Hurry, apply now.