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Folio
Issuer documentsLikely

IRCTC HDFC Bank Credit Card

HDFC Bank · Network not established · Tier not established

Base return

Unknown

reward terms are incomplete

Annual fee

₹500

waiver unknown

Joining fee

₹500

GST unknown

Forex markup

Unknown

total cost unknown

Last checked:
19 min ago (28 Oct 2026)
Last material change:
none recorded
Source status:
Ok
Issuer effective date:
Unknown · first observed 28 Oct 2026
Checking status:
Based on issuer documents, not yet verified

These published rules are supported by HDFC Bank's official documents, but no independent human verification has been recorded. Some fields may remain unknown or incomplete. Check the issuer's current terms, linked under Sources, before you apply.

Category returns

Effective return on a ₹10,000 purchase = reward units earned × value per unit. Guaranteed uses cash-like redemptions only; the range adds estimated travel values.

Return figures are unknown because one or more reward rules, exclusions, caps, milestones, or redemption values have not been established.

CategoryEarn / ₹100GuaranteedConservativeOptimised est.
General spendsUnknownUnknownUnknownUnknown
Online shoppingUnknownUnknownUnknownUnknown
Offline retailUnknownUnknownUnknownUnknown
Travel (other)UnknownUnknownUnknownUnknown
FlightsUnknownUnknownUnknownUnknown
HotelsUnknownUnknownUnknownUnknown
DiningUnknownUnknownUnknownUnknown
GroceryUnknownUnknownUnknownUnknown
UtilitiesUnknownUnknownUnknownUnknown
FuelUnknownUnknownUnknownUnknown
InsuranceUnknownUnknownUnknownUnknown
EducationUnknownUnknownUnknownUnknown
RentUnknownUnknownUnknownUnknown
GovernmentUnknownUnknownUnknownUnknown
UPI (RuPay)UnknownUnknownUnknownUnknown
Wallet loadsUnknownUnknownUnknownUnknown
InternationalUnknownUnknownUnknownUnknown

Reward value

The reward currency and its value have not been established from issuer evidence. No reward value is used in the calculator.

the reward currency type: UNKNOWN (not zero or none) and its value. Reward value is excluded from calculations and comparisons.

Reward rules and caps

Machine-readable rules the calculator runs. Higher-priority rules apply first; spend above a cap falls back to the next rule or earns nothing, as stated.

base and bonus reward rules: UNKNOWN (not zero or none)

    Exclusions

    spend exclusions: UNKNOWN (not zero or none)

    Milestones

    milestone benefits: UNKNOWN (not zero or none)

    Airport lounges

    Access is shown with its qualification rules; spend conditions are evaluated in the calculator.

    lounge access: UNKNOWN (not zero or none)

    Movies, dining and golf

    movie benefits: UNKNOWN (not zero or none) · dining benefits: UNKNOWN (not zero or none) · golf benefits: UNKNOWN (not zero or none)

    Travel benefits and insurance

    Monetary benefits are separated from privileges we do not assign a rupee value to.

    Travel

    Known travel benefits may be incomplete.

    travel benefits: UNKNOWN (not zero or none)

    Insurance cover

    Known insurance benefits may be incomplete.

    insurance benefits: UNKNOWN (not zero or none)

    Foreign spending and UPI

    Forex markup
    Unknown
    Return on international spend (conservative)
    Unknown
    Net international return
    Unknown
    Rewards minus markup and GST. Decline dynamic currency conversion at the terminal: it adds a separate, usually larger, markup.
    UPI
    Unknown

    Fees and charges

    Joining fee
    ₹500 (tax treatment unknown)
    Joining-fee waiver: UNKNOWN
    Annual fee
    ₹500 (tax treatment unknown)
    Renewal-fee waiver: UNKNOWN
    Add-on card
    Unknown
    Category surcharges
    Unknown
    Fuel surcharge waiver
    Unknown
    Other fees and charges
    Unknown

    Transfer partners

    Miles and hotel points values are estimates.

    point transfers: UNKNOWN (not zero or none)

    Eligibility

    eligibility requirements: UNKNOWN (not zero or none)

    What this card is worth to you

    Your monthly spending runs through the rules above, transaction by transaction: caps, tiers, exclusions, milestones, fee waivers, surcharges and forex.

    Monthly spending₹56,000/mo · ₹6,72,000/yr
    How you use benefits

    Your spending stays in this browser. It is sent only to compute results and is never stored on our servers.

    How one purchase is calculated

    Every step the rules take for a single purchase: the rule that matches, exclusions, caps already used, and what it earns.

    Historical changes

    Full timeline & compare dates →
    • Added to Folio Issuer documents

      Added to Folio; original launch date not established

      Dates, evidence and confidence
      • Issuer effective date: Unknown
      • Rules first recorded in Folio: 28 Oct 2026
      • Announced: —
      • Discovered: 28 Oct 2026
      • Confidence: Likely
      • Evidence (Product Page, retrieved 28 Oct 2026): Joining/Renewal Membership Fee - Rs. 500/- + Applicable Taxes

    Official documents and evidence

    Every rule above cites a captured document. Captures are immutable; corrections are recorded separately.