IRCTC HDFC Bank Credit Card

Reward Points

1. It offers five reward points on each Rs.100 spent on IRCTC website and Rail Connect app.
2. Get one reward point on each Rs.100 spent on all other spending categories.
3. One HDFC Bank reward points is equal to Re.1.

Lounge Access

The card offers eight complimentary access to choose IRCTC Executive Lounges every year. You can access the lounge visits twice every calendar year.

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 quarter or every 90 days.

Others Benefits

1. IRCTC Transaction Charge Waiver: 1% IRCTC transactions charge will be waived off on the IRCTC website as well as app.
2. Fuel Surcharge Waiver: 1% fuel surcharge will be waived off on transactions ranging from Rs.400 to Rs.5,000.

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:

1. The cardholder has to pay joining as well as annual membership fee of Rs.499 plus taxes. Apart from this, the renewal fee will be waived off on Rs.1.5 lakhs or more spends on the last anniversary year.
2. The bank charges 2.5% of the amount withdrawn in the form of a cash advance fee which is subjected to a minimum of Rs.500.
3. The interest rate of 3.6% per month is applied on the HDFC IRCTC RuPay Credit Card.
4. It charges 3.5% of total transacted amount is charged as a foreign currency markup fee.

Eligibility Criteria of HDFC Bank IRCTC RuPay Card

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

1. The minimum and maximum age limit of the applicant should be between 21 years and 65 years, respectively.
2. He or she should be either salaried or self-employed having a stable monthly income.

Documents Needed

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

1. Identity Proof: Voters ID Card, Aadhar card, Permanent Account Number (PAN) Card, Driving License, Passport.
2. Address Proof: Recent utility bills, rent agreement, Aadhar card, passport.
3. Income Proof: Bank statements, salary slips, latest Income Tax Returns (ITR).

Credit cards make payments easy for all expenses online and offline while offering various benefits

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