IRCTC HDFC Bank Credit Card

Reward Points

• It offers five reward points on each Rs.100 spent on IRCTC website and Rail Connect app. The 5x reward points on IRCTC spends are capped at 1,000 reward points per month and 12,000 reward points a year.
• Get one reward point on each Rs.100 spent on all other spending categories.
• One HDFC Bank reward points is equal to Re.1.
• Reward points can be redeemed only against train ticket bookings made through HDFC Bank SmartBuy, up to 70% of the total ticket fare, and a minimum of 100 reward points is needed to redeem. Reward points are valid for two years. 

Lounge Access

The card offers eight complimentary accesses to select IRCTC Executive Lounges every year. You can access the lounge visits twice every quarter.

Cashback Benefits

This card offers an extra 5% cashback on booking IRCTC train tickets through HDFC Bank SmartBuy.

Milestone Benefits

You will get a gift voucher of Rs.500 on completing a retail spending limit of Rs.30,000 every calendar quarter.

Others Benefits

• IRCTC Transaction Charge Waiver: 1% IRCTC transactions charge will be waived off on the IRCTC website as well as app. The waiver is capped at Rs.1,000 per statement cycle. 
• Fuel Surcharge Waiver: 1% fuel surcharge will be waived off on transactions ranging from Rs.400 to Rs.5,000. The waiver is capped at Rs.250 per statement cycle. 
• Interest-Free Credit Period: You can enjoy up to 50 days of interest-free credit from the date of purchase. 
• SmartEMI: You can convert large transactions into SmartEMI after the purchase. 
• Zero Cost Card Liability: You are not liable for fraudulent transactions on the card if you report them immediately to HDFC Bank's 24-hour call centre. 

Fees and Charges of IRCTC HDFC Bank Credit Card

The following are the fees and charges related to the HDFC Bank IRCTC RuPay Credit Card:

• The cardholder has to pay joining as well as annual membership fee of Rs.500 plus taxes. Apart from this, the renewal fee will be waived off on Rs.1.5 lakh or more spends on the last anniversary year.
• The bank charges 2.5% of the amount withdrawn in the form of a cash advance fee which is subjected to a minimum of Rs.500.
• The interest rate of 3.75% per month (45% p.a.) is applied on the HDFC IRCTC RuPay Credit Card.
• The reissue fee for a lost or damaged card is Rs.100.
• The duplicate statement fee is Rs.10 per request, and it applies to physical statements only. 

Eligibility Criteria of HDFC Bank IRCTC RuPay Card

Given below are the eligibility criteria of HDFC Bank IRCTC RuPay Credit Card:

• The minimum and maximum age limit of the applicant should be between 21 years and 60 years for salaried applicants, and between 21 years and 65 years for self-employed applicants.
• He or she should be either salaried or self-employed having a stable monthly income.
• Salaried applicants need a gross monthly income of at least Rs.12,000 (terms and conditions apply) 
• Self-employed applicants need an annual income of more than Rs.6 lakh as per their Income Tax Return (ITR). 
• Only Indian nationals can apply, and non-resident Indians (NRIs) are not eligible. 

Documents Needed

You need to submit the scanned copies of the following documents while applying for the HDFC Bank IRCTC Credit Card:

• Identity Proof: Voters ID Card, Aadhaar card, Permanent Account Number (PAN) Card, Driving Licence, Passport, passport-size photographs. 
• Address Proof: Recent utility bills, rent agreement, Aadhaar card, passport, Voter ID.
• Income Proof: Bank statements, salary slips, latest Income Tax Returns (ITR), Form 16.

You can apply for the IRCTC HDFC Bank Credit Card on the HDFC Bank website, through NetBanking if you are an existing HDFC Bank customer, or at an HDFC Bank branch. In certain cases, you may need to upload documents and complete a video KYC. 

Summary

The IRCTC HDFC Bank Credit Card is a co-branded travel card that earns 5x reward points on IRCTC bookings and offers a transaction charge waiver, executive lounge access, and welcome and milestone gift vouchers. It is open to Indian salaried and self-employed applicants who meet the eligibility criteria listed above. Apply for the IRCTC HDFC Bank Credit Card through BankBazaar to get started.

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