HDFC Bank RuPay IRCTC Credit Card

IRCTC HDFC Credit Card Features and Benefits

The newly launched HDFC Bank IRCTC RuPay Credit Card is a travel-based credit card that comes with a good reward rate and various other benefits across different categories, including travel and more. Some of the most significant benefits of this credit card are given below:

Welcome Benefits

The card offers you an Amazon voucher worth Rs. 500 if you activate your card and make the first transaction within the first 30 days of the card’s issuance.

Travel Benefits

With the HDFC Bank IRCTC Credit Card, you get 2 complimentary railway lounge access (IRCTC Executive Lounge) every quarter (8 every year).

Waiver of Transaction Charges

Generally, railway bookings made using credit cards attract a transaction surcharge. However, with this credit card, the 1% transaction surcharge is reversed on bookings made via the IRCTC website/mobile app, RailConnect app/website, or the HDFC Bank SmartBuy platform.

This waiver is capped at ₹1,000 per month. Please note that the waiver is calculated on the ticket transaction amount, and in case of cancellations or refunds, 1% of the refunded amount will be reversed accordingly.

Fuel Surcharge Waiver

You get a 1% fuel surcharge waiver on all fuel purchases between ₹400 and ₹5,000. The waiver is capped at ₹250 per billing cycle, i.e., you can get a maximum waiver of ₹250 in a billing cycle.

Renewal Fee Waiver

The renewal fee of ₹500 is waived if the cardholder spends ₹1,50,000 or more in the previous anniversary year.

Milestone Benefits

You shall receive gift vouchers worth ₹500 on spends of ₹30,000 or more every calendar quarter.

UPI Enabled

The HDFC Bank RuPay IRCTC Credit Card can be used for UPI payments via apps such as PayZapp, Google Pay, PhonePe, Paytm, and Mobikwik. A maximum of 500 Reward Points can be earned each month for UPI spending.

HDFC Bank IRCTC RuPay Credit Card Rewards

The IRCTC HDFC Bank Credit Card comes with decent reward rates across different categories as mentioned below:

• You get 1 Reward Point on every retail spend of ₹100.
• You get 5X Reward Points/₹100 on IRCTC bookings. Accelerated Reward Points earning is capped at 1,000 Reward Points each month. A maximum of 12,000 Reward Points can be earned each year.
• The cardholders can get an extra 5% discount on IRCTC bookings via HDFC SmartBuy. Additional cashback is capped at ₹1,000 monthly.
• No Reward Points are earned for fuel purchases, wallet loads, gift or prepaid card loads, voucher purchases, cash advances, government-related transactions, education-related expenses, or rental transactions.

Reward Redemption

The Cash Points earned on this card can be redeemed for railway bookings via the IRCTC app or website, where 1 Cash Point = ₹1.

IRCTC HDFC Bank Credit Card Fees and Charges

Some of the most important fees and charges associated with the HDFC Bank IRCTC RuPay Credit Card are mentioned below:

• The card comes with a joining and annual membership fee of ₹500 plus applicable taxes. The renewal fee is waived on spending ₹1.5 lakhs or more in the previous anniversary year.
• The cash advance fee of this credit card is 2.5% of the withdrawn amount, subject to a minimum of Rs. 500.
• The interest rate on the HDFC IRCTC RuPay Credit Card is 3.75% per month.
• The foreign currency markup fee on this credit card is 3.5% of the total transacted amount.

HDFC IRCTC RuPay Card Eligibility Criteria

The basic eligibility requirements for the IRCTC HDFC Bank Credit Card are mentioned below:

• The applicant’s age should be between 21 and 65 years.
• The applicant should either be self-employed or salaried with a stable monthly income.

HDFC RuPay IRCTC Credit Card Review

If you frequently travel by the railways in India for business or vacations, this card is ideal for you. It provides premium access to the IRCTC Executive Lounge (up to 8 times in a calendar year) and offers accelerated 5X Reward Points earning for IRCTC Rail Bookings. This card has a nominal joining charge of ₹500 + GST and offers welcome benefits worth the same in the form of vouchers.

Enjoy benefits across multiple spheres with the amazing HDFC Bank RuPay IRCTC Credit Card.