Frequent train travellers should move fast on this one — HDFC’s co-branded IRCTC credit card is currently available Lifetime Free, but the LTF window closes on 30 September.
Offer Details
- Lifetime Free — no joining or annual fee under the current campaign
- 8 complimentary IRCTC Executive Lounge visits per year (2 per quarter)
- 5 Reward Points on every ₹100 spent on IRCTC
- Welcome gift voucher worth ₹500 on card activation
Eligible Cards / Who Can Avail
- New applicants who don’t already hold too many HDFC cards — existing multi-card holders may hit issuance limits
Benefits
- The lounge benefit is the standout for regular rail users — two executive lounge entries every quarter adds up fast on long-distance journeys
- Combined with accelerated points on IRCTC bookings and a small welcome voucher, this card is built specifically for train-heavy spenders
How to Claim / Steps
- Apply through the official HDFC IRCTC channel before the LTF deadline
- Complete KYC and activation to receive the welcome voucher
Validity / Important Notes
- LTF offer expires 30 September 2026
- Lounge visits are capped at 2 per quarter
- Reward Points apply specifically to IRCTC spends
- Standard credit card terms and bank approval apply
If you travel by train often and still have room in your card portfolio, this is one of the last windows to lock in the fee-free version — don’t wait till the last hour. Anyone applying before the deadline?