IRCTC HDFC Bank Credit Card
Travel
Co-branded
1st Year Fee: ₹500* Plus Applicable Taxes
Co-branded
5% cashback on IRCTC train tickets
Travel
5X rewards on train bookings
Lounge Access
8 railway lounge visits per year
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About IRCTC HDFC Bank Credit Card
IRCTC HDFC Bank Credit Card is a co-branded travel credit card designed for frequent travellers who prefer to travel by train and make bookings through IRCTC. Cardholders can earn 5% value back through reward points on train ticket bookings via IRCTC, along with an additional 5% cashback on IRCTC bookings made through the SmartBuy portal.
While SBI’s IRCTC Platinum variant charges a similar annual fee, IRCTC HDFC Bank Credit Card stands out as it not only offers accelerated rewards on IRCTC spends but also allows cardholders to redeem the rewards against train ticket bookings through the SmartBuy portal at a 1:1 ratio. This benefit helps consumers save on their travel expenses while also offering a higher number of railway lounge visits.
Besides rewards and cashback, frequent train travellers can also avail 8 complimentary railway lounge visits every year and 1% transaction charge waiver on IRCTC bookings. Additionally, welcome benefits worth the joining fee and milestone benefits further enhance the overall value of this card.
Note: This Card is not available on Paisabazaar. The content on this page is for information only. To express interest in this card, please visit HDFC Bank’s website.
Rewards & Cashback Structure
Rewards Program
- 5 reward points per Rs. 100 spent on Rail Connect app and IRCTC website
- 1 reward point on every Rs. 100 spent on all other categories1
- Redeem reward points against train bookings through the SmartBuy portal at a value of 1 Reward Point = Rs. 1
Cashback
- Additional 5% cashback on booking IRCTC train tickets using HDFC Bank SmartBuy
Travel & Other Benefits
Railway Lounge Access
- 8 complimentary visits to select IRCTC Executive Lounges every year, max. 2 per quarter
Transaction Charge Waiver
- 1% transaction charges are waived off on IRCTC website and app, capped at Rs. 1,000 in a month
Welcome Benefit
- Gift voucher of Rs. 500 on activating the card within 30 days of card issuance
Milestone Benefit
- Gift voucher worth Rs. 500 on spending Rs. 30,000 in a quarter
Fees & Charges
| Fee Type | Amount | ||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining Fee | Rs. 500 + Applicable Taxes | ||||||||||||||||
| Annual Fee | Rs. 500 + Applicable Taxes | ||||||||||||||||
| Finance Charges | 3.75% p.m. | 45% p.a. | ||||||||||||||||
| Late Payment Charges |
|
Things to Know Before you apply
Get this card if
You frequently travel via train and prefer to make bookings through IRCTC
You are looking for a low annual fee credit card with railway-related benefits
You want to earn reward points on railway ticket bookings and other everyday spends
You prefer redeeming accumulated reward points for train ticket bookings to maximize benefits
Eligibility Criteria
Age: 21 to 65 years
Occupation: Salaried or Self-employed
Income: Rs. 15,000 per month for Salaried
Income: Rs. 6 LPA for Self-employed
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What do we like about this card?
With this card, you can earn 5% value back in the form of reward points on IRCTC train ticket bookings and an additional 5% cashback on bookings made via SmartBuy. In addition to this, the card offers complimentary railway lounge access and a transaction charge waiver, further enhancing the overall value for frequent travellers. The card also compensates for its joining fee by offering welcome benefits worth Rs. 500 and has an easily achievable spending milestone of Rs. 1.5 Lakh for an annual fee waiver.
Pros
- 5X rewards & 5% cashback on IRCTC train ticket bookings
- Welcome benefits worth the joining fee of Rs. 500
- Complimentary railway lounge visits every year
- Redemption of rewards against train ticket bookings at a 1:1 ratio
- Low annual fee of Rs. 500, making it affordable for regular users
Cons
- Low reward rate on non-IRCTC spends
- No complimentary airport lounge access
- Limited benefits for those who do not frequently travel by train
Conclusion
IRCTC HDFC Bank Credit Card is a co-branded travel credit card designed for frequent train travellers. The card comes with a low annual fee of Rs. 500 and offers a decent travel rewards program. Along with rewards and cashback on train ticket bookings, the card also offers complimentary railway lounge visits, enhancing its overall value for train travellers. However, the card offers a low reward rate of 1% on other spends. Therefore, HDFC IRCTC Credit Card is suitable for you only if you are a frequent train traveller. If you are looking for better overall rewards, then you should probably look out for other cards.
Frequently Asked Questions
Everything you need to know about this credit card
Yes, IRCTC HDFC Bank Credit Card charges an annual fee of Rs. 500. You can avail annual fee waiver by spending Rs. 1.5 Lakh in a year.
To apply for this credit card, your age must be between 21 and 65 years. Besides this, if you are a salaried individual, you must have a monthly income of Rs. 15,000. For self-employed individuals, the annual income requirement is Rs. 6 LPA.
Yes, you can avail 1% transaction charge waiver for ticket bookings made through the IRCTC website and app. The maximum waiver you can avail in a month is Rs. 1,000.
You can apply for this card online by visiting the official website of HDFC Bank and navigating to the card page. You are required to fill out the application form and attach all the relevant documents while applying for the card. If you wish to apply offline, you can visit the nearest HDFC Bank branch and submit the application form in person.
Yes, IRCTC HDFC Bank Credit Card is also available on the RuPay network. Therefore, you can link this credit card to a UPI app and earn rewards on UPI spends as well.
Yes, HDFC Bank Credit Card offers 8 complimentary visits to select IRCTC Executive Lounges every year, with a maximum of 2 visits per quarter.
Footnotes
- Maximum of 500 reward points can be earned in a calendar month on UPI spends.
Click here to know More Terms and Conditions
Shruti Sharma
Shruti Sharma is a skilled content writer with a passion for simplifying personal finance for consumers. Specializing in credit cards and financial planning, she offers valuable insights that empower individuals to make informed financial choices. Through her writing, she shares practical tips and guides readers through the nuances of credit card usage.
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