top of page

IRCTC HDFC Bank Credit Card

Product Details
Credit Card Name : 

IRCTC HDFC Bank Credit Card

Bank Name :

HDFC Bank

Type :

Travel Credit Card

Interest Rate : 

3.6% per month (i.e., 43.2% per annum)

Eligibility :

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.

IRCTC HDFC Bank Credit Card
Pros
  • Welcome Benefits: Gift voucher worth INR 500 on card activation by undertaking one transaction of any amount in the first 37 days of card issuance.

  • 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%. 

  • 1% transaction charge waived on ticket booking on railways website and app. 

  • Milestone Benefits: INR 500 worth gift voucher on spending INR 30,000 in any quarter. 

  • 8 free access to select IRCTC Executive Lounges each year (2ach e quarter).

Cons
  • Low general cashback rate. 

  • No free movie tickets. 

  • Limited value add features. 

  • No free airport lounge visits. 

Pros & Cons
Welcome Benefits

Welcome Benefits: Gift voucher worth INR 500 on card activation by undertaking one transaction of any amount in the first 37 days of card issuance.

Rewards System

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%. 

International Forex Markup

3.5%.

Welcome Benefits and Reward System
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.

Benefits
  • Railway lounge benefits. 

  • Cashback benefits. 

  • Milestone benefits. 

  • Welcome benefits. 

Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
  1. Eligibility: Check if you meet the eligibility criteria, which typically include a minimum income and age requirement (details on HDFC website).

  2. Apply online: Visit the HDFC Bank website or app and fill out the online application form.

  3. Documents: Submit the required documents like PAN card, address proof, and income proof.

  4. Verification: HDFC will verify your documents and creditworthiness.

  5. Approval: Upon approval, you will receive your credit card within 7-10 working days.

Contact Details

1800 1600

Account Opening and Procedure
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

Abhijeet Saxena

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
Fees & Charges
  • Joining Fee / Renewal Membership Fee – INR 500 /- + Applicable Charges

  • Cash Advance Charges: A transaction fee of 2.5% or INR 500 whichever is higher

  • Late Payment Charges: Ranges from INR 100 to INR 1300. 

  • Interest Rate: 3.6% per month (i.e., 43.2% per annum).

  • Foreign Currency Mark-up Fees: 3.5%.

  • Reward Redemption Fee: INR 99.

Fuel Surcharge

1%, waived on transactions between INR 400 and INR 4,000

Billing Cycle

30 Days

Fees & Charges
bottom of page