HDFC IRCTC

Product Overview

IRCTC HDFC Bank Credit Card is a co-branded travel credit card launched by HDFC Bank in partnership with IRCTC. It is specially designed for frequent train travelers and offers reward points on train ticket bookings, railway lounge access, transaction charge waivers, and additional cashback on SmartBuy bookings.

Eligibility Criteria

✔️ Applicant must be an Indian resident

✔️ Age: 21 to 60 years (Salaried)

✔️ Age: 21 to 65 years (Self-Employed)

✔️ Salaried or Self-Employed Individual

✔️ Annual Income: As per HDFC Bank eligibility norms

✔️ Good CIBIL Score (750+ preferred)

Features and Benefits

✔️ Welcome Gift Voucher worth ₹500 on eligible activation criteria

✔️ Earn 5 Reward Points per ₹100 spent on IRCTC Ticketing Website & Rail Connect App

✔️ Earn 1 Reward Point per ₹100 spent on other eligible purchases

✔️ Additional 5% Cashback on IRCTC bookings through HDFC Bank SmartBuy

✔️ 1% Transaction Charge Waiver on IRCTC train ticket bookings

✔️ 8 Complimentary Accesses to Select IRCTC Executive Lounges every year (2 per quarter)

✔️ Reward Points can be redeemed directly on IRCTC bookings

✔️ RuPay Credit Card with UPI payment support

✔️ Fuel surcharge waiver on eligible fuel transactions

Fees & Charges

✔️ Joining Fee: ₹500 + GST

✔️ Annual Fee: ₹500 + GST

✔️ Annual Fee Waiver: Spend ₹1.5 Lakh+ annually before renewal date

✔️ Interest-Free Period: Up to 50 days

✔️ Cash Advance Charges: 2.5% of amount withdrawn (minimum ₹500)

✔️ Reward Redemption Fee: ₹99 + GST per redemption request

✔️ Late Payment Charges: As per HDFC Bank policy

Documents Required

✔️ PAN Card (Mandatory)

✔️ Aadhaar Card / Passport / Driving Licence

✔️ Address Proof

✔️ Income Proof (Salary Slip / ITR / Form 16)

✔️ Bank Statements (Last 3–6 Months)

✔️ Passport-size Photograph (if required)

FAQs

Q1. What reward points are offered on IRCTC bookings?
Ans. You earn 5 Reward Points for every ₹100 spent on IRCTC train ticket bookings.

Q2. Does the card provide railway lounge access?
Ans. Yes, the card offers 8 complimentary accesses to select IRCTC Executive Lounges every year (maximum 2 per quarter).

Q3. Is there any transaction charge waiver on train bookings?
Ans. Yes, you get a 1% transaction charge waiver on IRCTC ticket bookings.

Q4. Can I get cashback on train bookings?
Ans. Yes, an additional 5% cashback is available on IRCTC bookings made through HDFC Bank SmartBuy.

Q5. Can the annual fee be waived?
Ans. Yes, the annual fee is waived if annual spending exceeds ₹1.5 lakh before the renewal date.

Terms & Conditions

✔️ Reward Points are earned only on eligible transactions and are subject to HDFC Bank Reward Programme rules.

✔️ Railway lounge access is limited to 8 visits per year (2 per quarter).

✔️ Transaction charge waiver is applicable only on eligible IRCTC bookings.

✔️ Annual fee waiver is available on spending ₹1.5 lakh or more in a membership year.

✔️ Approval is subject to HDFC Bank's credit assessment and verification process.