Canara Bank
Data verifiedCanara Bank RuPay Select
RuPay Select benefits include lounge visits, gym offers and rewards on UPI spend.
2 pts per ₹100 incl. UPILounge access
Annual fee
₹500 + GST
HDFC Bank · RuPay
IRCTC HDFC Bank Credit Card
RuPay card that earns on UPI and returns 5% on IRCTC rail bookings with railway lounge access.
What we've verified
Long-form review pending — we publish depth only once we've read the full terms.
- Joining fee ₹500 + GST, renewal ₹500 + GST.
- Annual fee waives once you spend ₹1,00,000 in a card year.
- Headline earn rate: 5% on IRCTC bookings.
- Includes complimentary airport lounge access (visit counts vary by tier and spend).
Also worth comparing for train travel
Union Bank of India
Data verifiedUnion Bank RuPay Select
Affordable RuPay Select card with domestic lounge access and UPI-linked rewards.
2 pts per ₹100 incl. UPILounge access
Annual fee
₹499 + GST
Punjab National Bank
Data verifiedPNB RuPay Select
Bundled insurance cover and lounge access for PNB customers who pay mostly by UPI.
2 pts per ₹100 incl. UPILounge access
Annual fee
₹500 + GST
Ready to apply for the IRCTC HDFC Bank Credit Card?
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