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Train Travel Now Cheaper - IRCTC Launches Credit Card In Partnership With HDFC

Train Travel Just Got Rewarding: A Deep Dive into the IRCTC HDFC Credit Card, Launched in 2023

For anyone who loves train travel in India, 2023 brought a game-changer - the IRCTC HDFC Bank Credit Card. This co-branded travel card, launched in March, is designed to make your railway journeys more convenient, affordable, and rewarding. Whether you're a frequent commuter or a weekend explorer, this card offers a treasure trove of benefits tailored to your train travel needs.

Unlocking the Rewards:

The heart of this card lies in its robust reward system:

  • Earn 4 Reward Points per ₹100 spent: Every train ticket booked on the IRCTC website or app using the card fetches you 4 points per ₹100 spent. This translates to significant savings and faster redemptions for attractive rewards.

  • Welcome Bonus and Milestone Points: Get 2,000 Bonus Points upon card approval and an additional 500 points on your first international transaction. Celebrate milestones with bonus points at every renewal (5,000 points) and on crossing annual milestones (5,000 points for ₹1 lakh spend and 10,000 points for ₹2 lakh spend).

  • Redeem Points for Free Train Tickets: Use your accumulated points to book any class of train tickets on the IRCTC website or app, offering incredible flexibility and value.

Beyond Train Ticket Rewards:

This card extends its magic beyond the railway lines:

  • Lounge Access: Relax and unwind in 4 railway station lounges across India - New Delhi, Mumbai, Chennai, and Kolkata.

  • Fuel Surcharge Waiver: Say goodbye to pesky fuel surcharges on your Indian Oil Corporation petrol and diesel purchases.

  • Movie Magic: Enjoy 15% cashback on movie tickets booked through Paytm.

  • Accident Insurance: Get complimentary personal accident insurance cover for peace of mind during your travels.

Fees and Eligibility:

While these benefits are enticing, it's essential to consider the fees and eligibility criteria:

  • Joining Fee: ₹500 (waived for the first year)

  • Annual Fee: ₹999

  • Eligibility: Minimum income of ₹12 lakh per annum

Verdict: Is the IRCTC HDFC Credit Card Right for You?

If you travel by train at least occasionally, this card is definitely worth considering. The generous reward system for train bookings, coupled with additional perks like lounge access and fuel surcharge waivers, makes it a valuable addition to your wallet. However, consider the annual fee and ensure your train travel spends justify the benefits.

This blog is just a starting point. Feel free to explore the card further and make an informed decision based on your travel habits and budget.

Happy Railway Journeys!

Additional Notes:

  • This blog highlights the key features and benefits of the IRCTC HDFC Bank Credit Card launched in 2023. Please refer to the official card website or HDFC Bank for the latest terms and conditions.

  • Consider including relevant images or infographics to enhance the blog's visual appeal.

  • Feel free to expand on specific sections like redemption possibilities, insurance details, or comparison with other travel cards for a more comprehensive analysis.

I hope this information serves as a good starting point for your blog on the IRCTC HDFC Credit Card. Remember to tailor the content to your audience and style for maximum impact. Good luck!


1. How many Reward Points can I earn on train bookings?

You can earn 4 Reward Points for every ₹100 spent on train tickets booked through the IRCTC website or app using the card. There's no limit on the number of points you can earn on train bookings.

2. What Welcome Bonus and Milestone Points are offered?

You'll get 2,000 Bonus Points upon card approval and an additional 500 points on your first international transaction. Additionally, you'll receive:

  • 5,000 Bonus Points at every card renewal anniversary.

  • 5,000 Bonus Points for exceeding ₹1 lakh annual spend.

  • 10,000 Bonus Points for exceeding ₹2 lakh annual spend.

3. Can I redeem points for free train tickets?

Absolutely! You can redeem your accumulated points for any class of train tickets on the IRCTC website or app, offering complete flexibility in redeeming your rewards.

4. Which airport lounges offer complimentary access?

You can enjoy complimentary access to four railway station lounges across India: New Delhi, Mumbai, Chennai, and Kolkata.

5. How much fuel surcharge waiver can I get?

The card offers a 1% fuel surcharge waiver on your Indian Oil Corporation petrol and diesel purchases, up to a maximum of ₹250 per statement cycle.

6. Does the card offer any movie benefits?

Yes, you can enjoy 15% cashback on movie tickets booked through Paytm.

7. What kind of insurance coverage is included?

The card comes with complimentary personal accident insurance cover, providing financial protection in case of an unfortunate event during your travels.

8. Are there any spending limits for earning points?

There are no specific spending limits for earning points on train bookings. However, the welcome bonus points and milestone points are awarded based on annual spend thresholds.

9. Can I earn bonus points through partner brands or programs?

Currently, there are no specific partner brands or programs offering additional points with this card. However, HDFC Bank occasionally runs promotional offers where you can earn bonus points on specific spends.

10. Where can I find more information and apply for the card?

You can visit the HDFC Bank website or app for detailed information and to apply for the card. Alternatively, you can contact HDFC Bank customer service for any further inquiries.

Remember, these are just a selection of frequently asked questions. It's important to carefully review the card's terms and conditions before applying to ensure it aligns with your travel habits and budget.

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