Explore Benefits of HDFC BankIRCTC Credit Card

HDFC Bank

Explore IRCTC Credit Card

Basic Information

Welcome Benefits All welcome benefits: ₹500 gift voucher on activation by making 1 transaction within 37 days of card issuance

Card Details Card Name: IRCTC HDFC Bank Credit Card
Bank Name: HDFC Bank
Card Type: Co-Branded Credit Card
Network: RuPay

Payment Network rupay: RuPay

Eligibility Minimum Income Required: Salaried: Gross monthly income > ₹25,000; Self-employed: ITR > ₹6 lakh/year
Employment Type: Salaried / Self-Employed
Age Criteria: Salaried: 21–60 years; Self-employed: 21–65 years

Rewards Program

Reward Points Reward Rate: 5 Reward Points / ₹100 on IRCTC ticketing website & Rail Connect App; 1 Reward Point / ₹100 on other eligible spends
Reward Value: 1 Reward Point = ₹1 for eligible train-ticket redemption via HDFC Bank SmartBuy
Reward Expiry: 2 years from date of issuance

Cashback Cashback Rate: Additional 5% cashback on train-ticket bookings through HDFC Bank SmartBuy

Redemption Reward Redemption Options: Train-ticket booking via HDFC Bank SmartBuy; IRCTC voucher purchase via HDFC Bank SmartBuy/NetBanking
Redemption Fee: —

Milestone Rewards Milestone Benefit: ₹500 gift voucher every calendar quarter on spends of ₹30,000 or more
Annual Spend Benefit: Renewal fee waiver on annual spends of ₹1,50,000 or more

Travel Benefits

Railway Lounge Railway Lounge Access: 8 complimentary accesses to select IRCTC Executive Lounges per year, maximum 2 per quarter

Travel Offers Travel Booking Offers: Additional 5% cashback on train-ticket bookings through HDFC Bank SmartBuy

Forex Benefits International Offers: —

Shopping Benefits

Brand Offers Merchant Discounts: ₹1,000 cashback across 200+ brands through PayZapp

EMI Offers Merchant EMI: SmartEMI facility for converting eligible large purchases into EMI

Fuel Benefits

Fuel Savings Fuel Surcharge Waiver: 1% fuel surcharge waiver; eligible transaction ₹400–₹5,000; maximum waiver ₹250 per statement cycle

Fuel Rewards Fuel Reward Points: —

Insurance & Protection

Card Security Zero Liability Protection: Protection against fraudulent transactions when reported immediately to HDFC Bank's 24-hour call centre

Digital Features

Payments Contactless Payment (Tap & Pay): Contactless payments enabled
UPI on Credit Card: RuPay credit card can be linked to UPI

Banking Features Instant Card Control: Card controls through HDFC Bank NetBanking/MyCards, including domestic/international, online and contactless usage controls

Add-on Features

EMI Features EMI Conversion: Large purchases can be converted to SmartEMI after purchase

Fees & Charges

Joining Charges Joining Fee: ₹500 + applicable taxes

Annual Charges Annual Fee: ₹500 + applicable taxes
Annual Fee Waiver: Renewal fee waived on annual spends of ₹1,50,000 or more before renewal date

EMI Charges EMI Facility: Large transactions can be converted to SmartEMI after purchase

Forex Charges Forex Markup Fee: —

Customer Support

Service 24×7 Customer Support: HDFC Bank 24-hour call centre available for reporting fraudulent transactions

Performance & Ratings

Best Usage Best For: Railway travel, IRCTC ticket bookings, railway lounge access, fuel savings and general rewards

Advantages Pros: 5X rewards on eligible IRCTC ticket bookings, 5% SmartBuy cashback, 8 railway lounge visits/year, 1% IRCTC transaction-charge waiver, fuel surcharge waiver, quarterly vouchers, UPI support

Limitations Cons: IRCTC 5X rewards are subject to monthly/annual caps; several categories such as fuel, wallet loading, government, education, rent, cash advance and certain EMI-related transactions are excluded from reward accrual

Instant Check Eligibility | IRCTC Credit Card

Instant Check Eligibility

Frequently Asked Questions About IRCTC Credit Card

What are the benefits of the HDFC Bank IRCTC Credit Card?

The HDFC Bank IRCTC Credit Card is designed for frequent railway travellers. It offers 5 Reward Points for every ₹100 spent on train ticket bookings through the IRCTC website and Rail Connect App. Other benefits include additional cashback on eligible SmartBuy train bookings, complimentary IRCTC Executive Lounge access, a fuel surcharge waiver and milestone benefits.

How can I apply for an HDFC IRCTC Credit Card online?

You can apply for the HDFC IRCTC Credit Card online through the HDFC Bank website or an authorised application channel. Visit the credit card application page, enter your personal and employment details, provide the required documents and complete the verification process. Final approval depends on HDFC Bank's eligibility checks and internal credit policy.

What is the eligibility criteria for the HDFC Bank IRCTC Credit Card?

To apply for the HDFC Bank IRCTC Credit Card, applicants must be Indian nationals and meet the bank's age and income requirements. Generally, salaried applicants must be between 21 and 60 years old, with gross monthly income above ₹25,000. Self-employed applicants must be between 21 and 65 years old, with annual ITR income above ₹6 lakh.

What is the joining fee and annual fee of the HDFC IRCTC Credit Card?

The HDFC Bank IRCTC Credit Card has a joining fee of ₹500 plus applicable taxes and an annual renewal fee of ₹500 plus applicable taxes. Cardholders can qualify for an annual fee waiver by spending ₹1.5 lakh or more during the relevant year before the renewal date, subject to the bank's terms and conditions.

How many reward points can I earn on IRCTC train ticket bookings?

Cardholders can earn 5 Reward Points for every ₹100 spent on eligible train ticket bookings through the IRCTC website and Rail Connect App. Eligible bookings through HDFC Bank SmartBuy also offer additional cashback benefits. Reward accumulation is subject to applicable monthly limits and transaction exclusions.

Does the HDFC IRCTC Credit Card offer complimentary railway lounge access?

Yes, eligible HDFC Bank IRCTC Credit Card holders can enjoy up to 8 complimentary visits to selected IRCTC Executive Lounges every year, with a maximum of 2 visits per quarter. Lounge facilities may include comfortable seating, meals, refreshments, Wi-Fi and other amenities, subject to individual lounge rules and card terms.

Can I get cashback on train ticket bookings using the HDFC IRCTC Credit Card?

Yes, the HDFC IRCTC Credit Card offers an additional 5% cashback on eligible train ticket bookings made through HDFC Bank SmartBuy. This benefit is subject to the applicable monthly cashback limit and the bank's terms and conditions. Customers should check the current SmartBuy offer details before booking.

What documents are required to apply for an HDFC Bank IRCTC Credit Card?

Applicants may need to provide identity proof, address proof and income documents while applying for the HDFC Bank IRCTC Credit Card. Commonly accepted documents include PAN Card, Aadhaar Card, Passport, Voter ID, salary slips, Form 16, bank statements and Income Tax Returns. The exact document requirements depend on the applicant's employment category and bank verification process.

Can self-employed individuals apply for the HDFC IRCTC Credit Card?

Yes, self-employed individuals such as business owners, traders, professionals and entrepreneurs can apply for the HDFC Bank IRCTC Credit Card. Applicants generally need to meet the minimum age requirement of 21 years and provide an annual ITR above ₹6 lakh, along with the required identity, address and income documents. Approval remains subject to bank verification.

How can I redeem HDFC IRCTC Credit Card reward points for train tickets?

You can redeem eligible HDFC IRCTC Credit Card Reward Points through the HDFC Bank SmartBuy platform while booking train tickets. One Reward Point is equivalent to ₹1 for eligible railway ticket redemptions. A minimum of 100 Reward Points is required, and points can cover up to 70% of the eligible booking amount. The remaining amount must be paid using the credit card. Applicable redemption charges may apply.

How can I check my HDFC Bank IRCTC Credit Card application status?

You can check your HDFC Bank IRCTC Credit Card application status through the bank's official credit card tracking facility. You may need your Application Reference Number (ARN), registered mobile number or other requested details. If your application is under verification, the bank may request additional documents before making a final decision.