By Bharti Bisht
Updated On January 2, 2023

HDFC Bank has recently partnered with IRCTC to launch a co-branded travel card named HDFC bank IRCTC RuPay Credit Card. SBI Card already offers co-branded cards with IRCTC and now, this newly launched card by HDFC Bank gives direct competition to those cards. The IRCTC HDFC Bank Credit Card comes with a joining and annual membership fee of Rs. 499. One can also get it waived by achieving the required annual spending in the previous anniversary year. Talking about the reward benefits of this card, you get rewarded in the form of Cash Points that can be redeemed against various options. You can earn up to 5 Cash Points on every Rs. 100 you spend, which is a good reward rate. Moreover, this card also offers complimentary railway lounge access every quarter, and hence, you can now make your train travel experiences much better with the least charges. The HDFC Bank IRCTC Credit Card has a lot more advantages. To know all of them, continue reading the article:

HDFC-Bank-RuPay-IRCTC-Credit-Card

(4.5/5)

Best Suited For

Travel |

Joining Fee

Rs. 499

Reward Type

Reward Points |

Product Details

  • Amazon voucher worth Rs. 500 as a welcome benefit.
  • 1 Cash Point for every Rs. 100 spent on retail purchases.
  • 5x Cash Points on IRCTC spends.
  • Complimentary railway lounge access every year.
  • Spend-based waiver of the renewal fee.
  • 1% fuel surcharge waiver.

Rewards and Benefits

Welcome Benefits

Amazon voucher worth Rs. 500 on making the first transaction within the first 30 days.

Movie & Dining

NA

Rewards Rate

1 Cash Point for every retail spend of Rs. 100 and 5x Cash Points on IRCTC bookings.

Reward Redemption

The earned Cash Points can be redeemed against travel bookings via IRCTC and several other options. 1 Cash Point = up to Re. 1.

Travel

Get free railway lounge access every year.

Golf

NA

Domestic Lounge Access

1 complimentary railway lounge access every quarter.

International Lounge Access

NA

Insurance Benefits

NA

Zero Liability Protection

The cardholders get a zero liability protection against a lost/stolen card if reported to the bank in a timely manner.

Fees & Charges

Joining Fee

Rs. 499

Renewal Fee

Rs. 499

Spend based Waiver

The renewal fee is waived on spending Rs. 1.5 lakhs or more in the previous year.

Rewards Redemption Fee

Nil

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 Charge

2.5% of the cash amount or Rs. 500 (whichever is higher)

Add-on Card Fee

Nil

IRCTC HDFC Bank 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 issuance.

Travel Benefits

Wi the HDFC Bank IRCTC Credit Card, you get 1 complimentary railway lounge access every quarter (4 every year).

Waiver of Transaction Charges

Generally, there are some transaction charges applicable to railway bookings using credit cards. But, with this credit card, you get a transaction charges waiver for transactions between Rs. 400 and Rs. 5,000.

Fuel Surcharge Waiver

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

Renewal Fee Waiver

The renewal fee of Rs. 499 is waived if the cardholder spends Rs. 1,50,000 or more in the previous anniversary year.

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 Cash Point on every retail spend of Rs. 100.
  • You get 5x Cash Points on IRCTC bookings.
  • The cardholders can avail of an extra 5% discount on making IRCTC bookings via HDFC SmartBuy.

Reward Redemption

The Cash Points that you earn using this card can be redeemed against various options as listed below:

  • 1 Cash Point = Re. 1 for redemption against railway bookings through the IRCTC app/website.
  • 1 Cash Point = Re. 0.30 for redemption against flight/hotel bookings through IRCTC and other options, including cashback.

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 Rs. 499 plus applicable taxes. The renewal fee is waived on spending Rs. 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 3.6% per month.
  • The foreign currency markup fee on this credit card is 3.5% of the total transacted amount.

HDFC Bank IRCTC RuPay Card Eligibility Criteria

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

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

Documents Required

You will also have to submit a few documents while applying for the HDFC bank’s IRCTC Credit Card. These documents are listed below:

  • An identity proof, such as Adhar Card, Voter’s Id, Passport, PAN Card, Driving License, etc.
  • Address Proof, such as the latest utility bills, aadhar card, rent agreement, passport, etc.
  • Income Proof: salary slips/bank statements in the case of salaried people and the latest ITR in the case of self-employed individuals.

Bottom Line

The IRCTC HDFC Bank Credit Card is a great option for those who travel very often via Indian railways. With an affordable annual fee, the card offers you various benefits across different categories, including rewards, travel, etc. You get a very good reward rate on travel and an additional discount on IRCTC bookings when booking via HDFC SmartBuy. So, make sure that you book your railway tickets on IRCTC through SmartBuy only in order to get the maximum benefit out of your card. Moreover, you get free railway lounge access, a waiver of transaction charges on railway bookings, and many more such advantages with this card. If all the benefits seem to suit your requirements, you should definitely go for the HDFC Bank IRCTC Rupay Credit Card. If you have any further doubts, you can freely ask us in the comments below!

FAQs:

No, the HDFC Bank IRCTC Credit Card doesn’t offer free airport lounge access, but you get complimentary railway lounge access with this card.

No, the HDFC Bank IRCTC Credit Card is not lifetime free. It comes with an annual fee of Rs. 499.

With the HDFC IRCTC Credit Card, 1 Cash Point = Re. 0.30 for redemption against the card’s statement balance.

The interest rate on this credit card is 3.6% per month.

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