IRCTC HDFC Bank Rupay Credit Card

IRCTC HDFC Bank Credit Card is a co-branded credit card designed for the traveller who prefer to travel by train and made booking through IRCTC. You will get 5% value back on booking train ticket through IRCTC app/website and additional 5% cashback on IRCTC booking made on smartbuy portal. The best part is that you can redeem your reward point against your train ticket booking via smartbuy in 1:1 ratio this help to reduce the cost of ticket. Apart from these you will get 8 complimentary Executive railway lounge per year. There is other similar credit card SBI Platinum credit card with same joining fee but HDFC IRCTC credit card stands out, let’s see in details about this credit card and made easy for you to make decision.

JOINING FEE
Rs. 500+GST
RENEWAL FEE
Rs. 500+GST
BENEFITS
8 Complimentary to IRCTC Executive Lounge every Year.
REWARDS &CASHBACK
5 Reward Point on Every Rs.100 spent on Ticket booking on IRCTC website.

Key Features & Benefits

Welcome Benefits

  • Get Amazon voucher worth of ₹500 on making first transaction within 30 days of card issuance.

Reward rate

  • Get 5X Reward point on every ₹100 spent on Train ticket purchase on IRCTC Web and App capped at 1000 reward point monthly and 12000 annually.
  • Get additional 5% cashback on Train ticket purchase on HDFC Bank SmartBuy capped at ₹1000 cashback per month.
  • Get 1 reward point on every ₹100 on all other spent capped at 1000 reward point per month.
  • No reward point on Fuel, Education, Rent, wallet, Government payment, cash advances,.

Transaction Charge Waiver

  • 1% Transaction charges on IRCTC are waived off which is capped at ₹1000 per month.

IRCTC Executive Lounge Access

  • Get 8 complimentary IRCTC Executive Lounge access every year ( 2 per quarter).

Fuel Surcharge Waiver

  • Get 1% Fuel surcharge waiver on all fuel transaction between Rs.400 to Rs.5000. Maximum waiver is Rs.250 per month.

Spend Based Waiver & Milestone

  • The annual fee of Rs.500 is waived off if you have spent RS. 1.5 lakh in previous year.
  • You will get Gift voucher worth of ₹500 on spending ₹30000 in a quarter.

Rupay Card

  • IRCTC HDFC Credit Card comes in Rupay variant so you can easily linked with UPI and make seamless transaction. You will get 1 reward point on every ₹100 spent on UPI capped at 500 reward point per month.

Dining Benefits

  • You can get upto 15% off at partner resturant with Axis bank dining delight.

Fees & Charges

Reward Redemption & Charges

  • 1 Reward Point = ₹1 if you redeem against through railway booking IRCTC app/website.
  • 1 Reward Point = ₹0.3 if you redeem against for flight and hotel booking including statement credit.
  • For statement credit that is reward point redemption you will be charges ₹50+GST and for others point redemption ₹99+GST.

Foreign Currency Markup

  • The card come with high foreign currency markup fee that is 3.5% of total transaction amount. So if you are looking of any international travel & transaction credit card you can choose other cards that have zero or very less markup fee.

Finance Charges & Cash withdrawal Fee

  • Interest rate is 3.75% per month that is 55.55% per annum.
  • Cash withdawal fee is min Rs.500 upto 2.5% of cash withdrawal amount.
  • Eligibility Criteria
Criteria Salaried Individuals Self Employed Individuals
Age
21-60 Years
21-65 Years
Income
₹25000 Per month
ITR should be 6 lakh or more
  • Final Thoughts

IRCTC HDFC bank credit card is a travel credit card comes with nominal fee ₹500+GST which can be easily waived off on achieving spending criteria. Along with reward on train ticket booking it also offer 8 IRCTC Executive lounge access in a year which enhance more valuable experience to the traveller. However the reward rate on other spends that is 1% is quite low. This card is only good for those who travel a lot through train otherwise at  these fee there are many card which is having good reward rate.

  • Frequently Asked Questions
What is the value of 1 Reward point in IRCTC HDFC Credit Card?

The value of 1 Reward Point = ₹1 if you redeem against through railway booking IRCTC app/website and ₹0.3 if you redeem against for flight and hotel booking including statement credit.

 No, You will get 8 complimentary IRCTC Executive lounge access at railway station.

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