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HDFC Bank IRCTC Credit Card Features
Key Features
- 5 Reward Point for every INR 100 spent on IRCTC ticketing website and Rail Connect App.
- 1 Reward Point for every INR 100 spent on all other spends.
- Additional 5% cashback on train ticket bookings via HDFC Bank SmartBuy.
- 8 complimentary access to select IRCTC Executive Lounges every year (2 per quarter).
- 1% Transaction charges waiver on transactions done on IRCTC ticketing website and Rail Connect App. (Maximum waiver of INR 1,000 per statement cycle)
Additional Features
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.
Fuel Surcharge
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 Benefit
Welcome Gift voucher worth INR 500 on card activation by performing 1 transaction of any amount within first 37 days of card issuance.
Milestone Benefits
Gift voucher worth INR 500 on quarterly(every 90 days from the issuance date) spends of INR 30,000 or more.
Smart EMI
IRCTC HDFC Bank Credit Card comes with an option to convert your big spends into EMI after purchase.
Contactless Payment
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 Point Redemption & Validity
Reward Points Accrual:
- The redemption against the train ticket booking at the rate of 1 Reward Point = INR 1 on HDFC Bank SmartBuy Reward Points will lapse on expiry of two years from the date of issuance.
- Redemption can be made only against 70% of fare ticket amount on train ticket booking via HDFC Bank SmartBuy, inclusive of fares of all the passengers and service charges levied by IRCTC.
- Reward Points can be used only for redemption against I train ticket booking via HDFC Bank SmartBuy.
- A minimum of 100 Points are needed to be redeem rewards
IRCTC Executive Lounge Benefits
8 complimentary access to select IRCTC Executive Lounges every year (2 per quarter).
Renewal & Annual Fee Waiver
Spend INR 1,50,000 or more in an anniversary year, before your Credit Card renewal date and get your renewal fee waived off.
Credit Card on UPI
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.
HDFC Bank Rupay IRCTC Credit Card Eligibility
For Salaried
Indian national
Age: Min 21 yrs & Max 60 Yrs,
Income: Gross Monthly Income> ₹25,000
For Self Employed
Indian national
Age: Min 21 yrs & Max 65 Yrs, Income: ITR > ₹6.0 Lakhs per annum
HDFC Bank IRCTC Credit Card Frequently Asked Questions
Q1. Can I apply for HDFC Bank IRCTC Credit Card free?
Yes, you can apply for HDFC Bank IRCTC Credit Card completely free with Zingoy 100% cashback offer.