About IRCTC HDFC Bank Credit Card
IRCTC HDFC Bank Credit Card is a co-branded travel card designed for frequent train travellers who prefer booking tickets via IRCTC. Users can enjoy 5% value back on train ticket bookings through IRCTC and an extra 5% cashback when bookings are made via the HDFC SmartBuy portal.
Unlike SBI’s IRCTC Platinum Card, this card stands out by allowing reward redemption against train tickets at a 1:1 ratio through SmartBuy, making it more rewarding for railway bookings.
The card also offers 8 complimentary railway lounge visits annually, a 1% transaction charge waiver on IRCTC bookings, along with welcome and milestone benefits that add extra value for regular train travellers.
IRCTC HDFC Bank Credit Card Rewards Program
Rewards Program
- 5 Reward Points per ₹100 spent on the Rail Connect app and IRCTC website
- 1 Reward Point per ₹100 spent on all other categories
- Redeem Reward Points against train bookings on SmartBuy at 1 RP = ₹1
Other Features and Benefits
Railway Lounge Access:
- 8 complimentary visits to select IRCTC Executive Lounges per year (max. 2 per quarter).
-
Transaction Charge Waiver:
- 1% waived on IRCTC website/app transactions, capped at ₹1,000 per month.
Welcome Benefit:
- ₹500 gift voucher on card activation within 30 days of issuance.
Cashback
- Extra 5% cashback on IRCTC train ticket bookings via HDFC Bank SmartBuy.
Milestone Benefit:
- 500 gift voucher on spending ₹30,000 in a quarter.
Fuel Benefit:
- 1% fuel surcharge waiver on transactions between ₹400–₹5,000, capped at ₹250 per month.
Annual Fee Waiver:
- Waived on spending ₹1.5 lakh in a year.
Fees and Charges
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 | | For outstanding balance: | | | Up to Rs. 100 | Nil | | Rs. 101 to Rs. 500 | Rs. 100 | | Rs. 501 to Rs. 5,000 | Rs. 500 | | Rs. 5,001 to Rs. 10,000 | Rs. 600 | | Rs. 10,001 to Rs. 25,000 | Rs. 800 | | Rs. 25,001 to Rs. 50,000 | Rs. 1,100 | | More than Rs. 50,000 | Rs. 1,300 |
|
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Document Required For IRCTC HDFC Bank Credit Card
- Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
- Proof of Address: Aadhaar Card, Driver’s License, Passport
- Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
Eligibility Criteria
- Age: 21 to 70 years
- Occupation: Salaried or Self-employed
- Credit Score: Should have a good credit history
IRCTC HDFC Bank Credit Card Highlights
What do we like about this card?
- Earn 5 reward points per ₹100 spent on Rail Connect app and IRCTC website; 1 RP per ₹100 on other spends.
- Redeem points against train bookings via SmartBuy at 1 RP = ₹1.
- 8 complimentary IRCTC railway lounge visits per year (max 2 per quarter).
- 1% transaction charge waiver on IRCTC bookings (up to ₹1,000/month).
- Welcome gift voucher of ₹500 on activating the card within 30 days.
- Milestone benefit: ₹500 gift voucher on spending ₹30,000 in a quarter.
- 1% fuel surcharge waiver on transactions between ₹400–₹5,000 (max ₹250/month).
- Annual fee waiver on spending ₹1.5 lakh in a year.
- Additional 5% cashback on IRCTC bookings via HDFC SmartBuy.
Things to Know Before you apply
Get this card if:
- You frequently travel by train and book tickets via IRCTC.
- You want to save on train travel with reward points, lounge access, and cashback.
Pros
- Earn accelerated rewards on IRCTC bookings and redeem them at 1:1 value.
- Complimentary 8 railway lounge visits per year.
- Additional benefits like welcome gift voucher, milestone rewards, and transaction/fuel charge waivers.
Cons
- Rewards on non-IRCTC spends are minimal (1 RP per ₹100).
- Limited benefits outside train travel and related bookings.
HDFC Bank Credit Card Contact Details
HDFC Card offers multiple ways to get assistance for your credit card queries and services.
- Contact Address: Manager, HDFC Bank Cards Division, PO BOX # 8654, Thiruvanmiyur PO Chennai - 600 041
- Helpline: You can contact us at 1800 1600 / 1800 2600.
- Simply SMS: - SMS “CCHELP” to 5676712
Apply for a Credit Card & Get Instant Approval
Frequently Asked Questions
The joining fee is ₹499 + taxes.
You receive a ₹500 gift voucher if you activate the card within 30 days of issuance.
Earn 5 RP per ₹100 on IRCTC bookings and 1 RP per ₹100 on other spends.
Reward points can be redeemed against train bookings via the SmartBuy portal at 1 RP = ₹1.
Yes, you get a ₹500 gift voucher on spending ₹30,000 in a quarter.
Yes, 8 complimentary visits to select IRCTC Executive Lounges per year (max 2 per quarter).
Yes, 1% fuel surcharge waiver on transactions between ₹400–₹5,000, capped at ₹250 per month.
Yes, the annual fee is waived if you spend ₹1.5 lakh in a year.
