Welcome benefits: Users will get a gift voucher worth Rs 500 on card activation by undertaking one transaction of any amount in the first 37 days of card issuance.
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IRCTC HDFC Bank Credit Card
Rewards & Benefits
Welcome Benefits
Welcome benefits: Users will get a gift voucher worth Rs 500 on card activation by undertaking one transaction of any amount in the first 37 days of card issuance.
Milestone Benefits
Milestone Benefits: Rs 500 worth gift voucher on spending Rs 30,000 in any quarter.
Cashback Rate
5% cashback on train ticket booking through HDFC SmartBuy.
Get 5 reward points for every 100 spent on IRCTC ticketing website and Rail Connect App. Value of 1 reward point = INR 1. IRCTC cashback rate = 5%.
1 Reward point on all other spends. General cashback rate = 1%.
Movie Benefits
None.
Dining Benefits
None.
Other Benefits
1% transaction charge waived on ticket booking on railways website and app.
Lounge Access
None.
Rewards & Benefits
Welcome Benefits
Welcome benefits: Users will get a gift voucher worth Rs 500 on card activation by undertaking one transaction of any amount in the first 37 days of card issuance.
Milestone Benefits
Milestone Benefits: Rs 500 worth gift voucher on spending Rs 30,000 in any quarter.
Cashback Rate
5% cashback on train ticket booking through HDFC SmartBuy.
Get 5 reward points for every 100 spent on IRCTC ticketing website and Rail Connect App. Value of 1 reward point = INR 1. IRCTC cashback rate = 5%.
1 Reward point on all other spends. General cashback rate = 1%.
Movie Benefits
None.
Dining Benefits
None.
Other Benefits
1% transaction charge waived on ticket booking on railways website and app.
Lounge Access
None.
Fees & Charges of
IRCTC HDFC Bank Credit Card
Joining Fee
500 /- + Applicable Charges
Annual Fee
500 /- + Applicable Charges
Cash Advance Fee
2.5% or INR 500 whichever is higher
Interest rate
Interest Rate: 3.6% per month (i.e., 43.2% per annum).
Late Payment Fee
Late Payment Charges: Ranges from INR 100 to INR 1300.
Foreign Currency Transactions Fee
Foreign Currency Mark-up Fees: 3.5%.
Other Fees
Cash Advance Charges: A transaction fee of 2.5% or INR 500 whichever is higher | Reward Redemption Fee: INR 99.
Joining Fee
500 /- + Applicable Charges
Annual Fee
500 /- + Applicable Charges
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
Interest Rate: 3.6% per month (i.e., 43.2% per annum).
Late Payment Fee
Late Payment Charges: Ranges from INR 100 to INR 1300.
Foreign Currency Transactions Fee
Foreign Currency Mark-up Fees: 3.5%.
Other Fees
Cash Advance Charges: A transaction fee of 2.5% or INR 500 whichever is higher | Reward Redemption Fee: INR 99.
Fee and Charges of
IRCTC HDFC Bank Credit Card
Special Features
Reward System: 5% cashback on train ticket booking through HDFC SmartBuy. Get 5 reward points for every 100 spent on IRCTC ticketing website and Rail Connect App. Value of 1 reward point = INR 1. IRCTC cashback rate = 5%. 1 Reward point on all other spends. General cashback rate = 1%.
Eligibility Criteria
You must be an Indian citizen.
You must be 21-60 years of age if you are salaried, and 21-65 years of age if you are self-employed.
Your net monthly income must be greater than Rs. 25,000 if you are salaried, and your ITR must be greater than Rs. 6 lakhs per annum if you are self-employed.
Speical Feature, Eligibility and Benefits of
IRCTC HDFC Bank Credit Card
How to apply for Credit Card?
Eligibility: Check if you meet the eligibility criteria, which typically include a minimum income and age requirement (details on HDFC website).
Apply online: Visit the HDFC Bank website or app and fill out the online application form.
Documents: Submit the required documents like PAN card, address proof, and income proof.
Verification: HDFC will verify your documents and creditworthiness.
Approval: Upon approval, you will receive your credit card within 7-10 working days.
Contact Details
1800 1600
Account Opening and Procedure of
IRCTC HDFC Bank Credit Card
Product Review of
IRCTC HDFC Bank Credit Card
The card is packed with all kind of benefits. 10% cashback on PhonePe spends is a solid plus point. Overall it is one of the best credit cards in India.
A below par credit card, its only attraction is that you will get 5% cashback on booking rail tickets. Limited value add features and a very low general cashback rate.
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
Product Review of
IRCTC HDFC Bank Credit Card
A below par credit card, its only attraction is that you will get 5% cashback on booking rail tickets. Limited value add features and a very low general cashback rate.
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
