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Interest Free Credit Period : Up to 50 days of interest free period on your HDFC Bank Rupay IRCTC Credit Card from the date of purchase (subject to the submission of the charge by the Merchant)
Revolving Credit : Available at a nominal interest rate on your HDFC Bank Rupay IRCTC Credit Card. Please refer to Fees and Charges section to know more.
1% fuel surcharge waiver at all fuel stations across India (on minimum transaction of INR 400 & maximum transaction of INR 5,000. Maximum waiver of INR 250 per statement cycle)
Welcome Gift voucher worth INR 500 on card activation by performing 1 transaction of any amount within first 37 days of card issuance.
Gift voucher worth INR 500 on quarterly(every 90 days from the issuance date) spends of INR 30,000 or more.
IRCTC HDFC Bank Credit Card comes with an option to convert your big spends into EMI after purchase.
The IRCTC HDFC Bank Credit Card is enabled for contactless payments, facilitating fast, convenient, and secure payments at retail outlets.
Please note that in India, payment through contactless mode is allowed for a maximum of INR 5000 for a single transaction where you are not asked to input your Credit Card PIN. However, if the amount is higher than or equal to INR 5000, the Card holder has to enter the Credit Card PIN for security reasons.
Reward Points Accrual:
8 complimentary access to select IRCTC Executive Lounges every year (2 per quarter).
Spend INR 1,50,000 or more in an anniversary year, before your Credit Card renewal date and get your renewal fee waived off.
The IRCTC HDFC Bank Credit card is enabled for linking UPI. Currently, you can link your IRCTC HDFC Bank Credit Card in select UPI apps only. (PayZapp/ GPay/ PhonePe/ Mobikwik/ PayTM/ BHIM/ Slice).
Maximum of 500 reward points can be earned in a calendar month on UPI spends through IRCTC HDFC Bank Credit Card.
Indian national
Age: Min 21 yrs & Max 60 Yrs,
Income: Gross Monthly Income> ₹25,000
Indian national
Age: Min 21 yrs & Max 65 Yrs, Income: ITR > ₹6.0 Lakhs per annum
Yes, you can apply for HDFC Bank IRCTC Credit Card completely free with Zingoy 100% cashback offer.