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    HDFC IRCTC Credit Card
    Our Rating

    Annual Fees

    500 500
    HDFC IRCTC Credit Card
    Joining Fees
    500
    Annual Fees
    500
    Add to Compare
    Percentage Savings range
    https://i.postimg.cc/5yGN9DV5/rupee-gold-coin-10889.png
    5%
    Ideal for booking Railway tickets
    Reward Type
    Reward Points
    Welcome Benefits
    Rs. 500 Voucher *
    Minimum Income
    6,00,000
    Lounge Access
    Not Available
    Rewards
    Core Rewards :
    • 1% RP Earn 1% value back in the form of Reward Points for all spends, i.e., 1 Reward Points per Rs. 100 spent
    • 5% Earn 5 Reward Points for every Rs. 100 spent on IRCTC Website & app, plus receive an extra 5% cashback on IRCTC Train Ticket bookings made through HDFC Bank SmartBuy, up to 1000 per month.
    Milestone Rewards :
    • Monthly : N/A
    • Quaterly : Get gift voucher worth Rs. 500 on quarterly spends of Rs. 30,000
    • Annual : N/A
    No rewards on spends : Fuel, Wallet
    Rewards Redemption
    How to Redeem :
    • Book on IRCTC via HDFC SmartBuy
    Redemption options : Rail ticket Booking through HDFC Smartbuy Portal
    Redemption fee : Not Applicable
    Transfer partners : N/A
    Complementary Benefits
    Lounge access :
    • Domestic Lounge : N/A
    • International Lounge : N/A
    • Railway Lounge : 2 per quarter (Shared with add-on card holders)
    Insurance Benefits :
    • Lost card liability : Covered till 24hrs of card loss reporting
    • Personal accidental insurance : N/A
    • Air accidental insurance : N/A
    Other Benefits :
    • Lounge Membership : N/A
    • Memberships Available With Cards : N/A
    • Spa Benefits : N/A
    Golf Benefits :
    • Lessons : N/A
    • Games : N/A
    Fees
    Joining fees : 500
    Annual fees : 500
    Welcome Benefits : Amazon voucher worth Rs. 500 after completing first transaction within first 30 days.
    Quaterly Benefits : N/A
    Annual Benefits : N/A
    Forex markup charges : 3.50%
    Fee reversal criteria : Spend 1.5L in previous year
    Eligibility
    Minimum age : 21
    Minimum ITR : 6,00,000
    Minimum Salary : 25,000

    HDFC IRCTC Credit Card Welcome Benefits

    • Welcome benefit: Receive an Amazon voucher worth Rs. 500 as a welcome gift when you make your first transaction within the initial 30 days of card issuance.

    HDFC IRCTC Credit Card Reward Points/Cashback

    • Core Rewards: You earn 1% value back in the form of Reward Points for all your spends, which means you get 1 Reward Point for every Rs. 100 spent. Additionally, you can earn 5% Cash Points for every Rs. 100 spent on the IRCTC website and app. You'll also receive an extra 5% cashback on IRCTC Train Ticket bookings made through HDFC Bank SmartBuy, up to Rs. 1000 per month.
    • Milestone Rewards: There are quarterly benefits where you can receive a gift voucher worth Rs. 500 for quarterly spends of Rs. 30,000 or more.
    • No Rewards on Spends: Please note that you won't earn rewards for fuel and wallet transactions.
    • Reward Redemption: The Cash Points you earn can be redeemed against travel bookings through IRCTC and various other options. 1 Cash Point is equivalent to up to Re. 1.

    HDFC IRCTC Credit Card Reward Point Redemption

    • How to Redeem: Book railway tickets through HDFC SmartBuy portal.
    • Redemption Options: Redeem Cash Points for railway bookings through the IRCTC app/website.
    • Redemption Fee: No redemption fee applies.
    • Transfer Partners: There are no transfer partners.
    • Conversion Rate: 1 Cash Point equals Re. 1 for railway bookings on IRCTC, and Re. 0.30 for flight/hotel bookings, cashback, and other options.

    Pros of HDFC IRCTC Credit Card

    • Complimentary Lounge Access: Cardholders enjoy the privilege of accessing Executive Lounges at IRCTC stations, providing a comfortable and relaxing environment while traveling. You can use this benefit up to 8 times in a calendar year.
    • Rewards on IRCTC Spends: This card offers an attractive rewards program. You earn 5 reward points for every ₹100 spent on the IRCTC website and app. Additionally, there's an enticing 5% cashback on train ticket bookings made through HDFC SmartBuy, with a monthly cap of ₹1,000.

    Cons of HDFC IRCTC Credit Card

    • Minimum Reward Points Requirement: One of the drawbacks is that there is a minimum redemption limit of 100 reward points. This means you need to accumulate at least 100 points before you can start redeeming them, which might take some time for individuals with lower spending habits.
    • Limited Redemption Options: The reward points earned with this card can only be redeemed for purchasing train tickets on the HDFC SmartBuy platform. If you were hoping for more versatile redemption options like shopping vouchers, merchandise, or other travel benefits, this card might not fully meet your expectations.

    HDFC IRCTC Credit Card Benefits

    • Lounge Access: 2 complimentary railway lounge accesses (IRCTC Executive Lounge) every quarter.
    • Transaction Charges: Waiver for railway bookings between Rs. 400 and Rs. 5,000.
    • Fuel Surcharge Waiver: 1% on fuel purchases (capped at Rs. 250 per billing cycle).
    • Renewal Fee Waiver: Spend Rs. 1,50,000 or more in the previous year to waive the renewal fee.
    • Milestone Benefits: Get gift vouchers worth ₹500 for spends of ₹30,000 or more every 90 days.
    • UPI Enabled: Access the card through UPI for digital payments.
    • Insurance: Lost card liability coverage if reported within 24 hours of loss.

    HDFC IRCTC Credit Card Charges and Fee

    • Joining Fee: Rs. 500
    • Annual Fee: Rs. 500
    • Welcome Benefits: Amazon voucher worth Rs. 500 upon completing the first transaction within the first 30 days.
    • Quarterly Benefits: Not applicable
    • Annual Benefits: Not applicable
    • Forex Markup Charges: 3.50%
    • Fee Reversal Criteria: Renewal fee waived upon spending Rs. 1.5 lakhs or more in the previous year.
    • Rewards Redemption Fee: Nil
    • Foreign Currency Markup: 3.5% of the transaction amount
    • Interest Rates: 3.6% per month.
    • Fuel Surcharge: 1% fuel surcharge waiver on all fuel transactions.
    • Cash Advance Charges: 2.5% of the cash amount or Rs. 500 (whichever is higher)
    • Add-on Card Fee: Nil

    Frequently Asked Questions

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