By: OurMoneyGuide || Last updated on: May 7, 2024
The IRCTC HDFC Bank Credit Card is a co-branded credit card offered by HDFC Bank in partnership with the Indian Railway Catering and Tourism Corporation (IRCTC).
This credit card is designed to provide exclusive benefits and rewards to frequent train travellers. With benefits such as accelerated reward points on train ticket bookings, and railway lounge access, it is a great card for those who frequently travel by train.
✔︎ 5% benefit on railway tickets at IRCTC – on ticket bookings till ₹20,000 per month
You get 5 reward points worth ₹5, on every ₹100 you spend on railway ticket bookings on IRCTC website and app (non-EMI transactions). This special benefit is restricted to rail bookings upto ₹20,000 per month, since the maximum reward points you can earn at this special rate is restricted to 1000 reward points per month.
1 reward point = ₹1, and can be redeemed on HDFC Smartbuy platform for railway ticket bookings. Redemption can be made only against 70% of fare ticket amount on train ticket booking via HDFC Bank SmartBuy, inclusive of fares of all the passengers and service charges levied by IRCTC. Rest of the booking amount needs to be paid on your card. Reward points are valid for 2 years from date of earning.
For more details, please click here.
✔︎ Additional 5% benefit on rail ticket booking on HDFC Smartbuy – on ticket bookings till ₹20,000 per month
You earn 5% cashback, on rail ticket purchases on HDFC Smartbuy. This cashback is restricted to ticket purchase/s upto ₹20,000 per month, since the maximum monthly cashback you can earn on HDFC Smartbuy is capped at ₹1000 per month.
You get 1 reward point worth ₹1, on every ₹100 you spend on all other card purchases.
This benefit is also applicable on UPI spends. This benefit is given only on UPI spends upto ₹50,000 per month, since you can earn a maximum of 500 reward points per calendar month on UPI spends.
Currently, you can link your IRCTC HDFC Bank Credit Card in select UPI apps only (PayZapp/ GPay/ PhonePe/ Mobikwik/ PayTM/ BHIM/ Slice). To know about how to link your IRCTC HDFC Bank Credit Card on BHIM UPI, please click here.
Exceptions :
– No cashback is given on fuel purchases, rent payments, government-related transactions, education transactions, wallet loads /gift or prepaid card load/ voucher purchase, EMI transactions, payment of card fees and other charges, payment of outstanding balances, cash advances.
– On grocery purchases, you can earn a maximum of 1000 reward points per month.
1 reward point = ₹1, and can be redeemed on HDFC Smartbuy platform for railway ticket bookings.
You get a gift voucher worth ₹500, upon spending ₹30,000 each quarter – 1.66% benefit.
Please note : Cash transactions, Dial-An- EMI, Cash-on-Call, Balance Transfer, Card Account Fee, Personal Loan on Credit Card, etc will not be considered as eligible spends for this offer.
To know more about IRCTC Executive Lounges please click here.
You get a 1% transaction charges waiver on IRCTC website and app.
This waiver is only given on spends upto ₹1 lakh per month, since the maximum waiver amount is restricted to ₹1000 per monthly card statement cycle.
This offer is valid 2 times per month. Minimum order amount required to avail this offer is ₹2000. Payments need to be made through the Swiggy app.
You get 7.50% discount (upto ₹250 per order) at restaurants. Hence you get a 7.50% discount on orders between ₹2000 and ₹3333. On orders above ₹3333, your discount percentage will fall below 7.50%.
For more details, including how to avail the offer, please click here – HDFC Swiggy Dineout Dining Program
You get 1% fuel surcharge waiver
– only on fuel transactions between ₹400 and ₹5000
– only on yearly fuel purchases of upto ₹25000 per month (since the maximum waiver amount is limited to ₹250 per monthly card statement cycle).
You need to meet both the above conditions to get fuel surcharge waiver. GST charged on fuel purchases is not refundable.
HDFC Smartbuy is a platform which display’s HDFC Bank’s exclusive partnerships, with a variety of partners. You get 5% – 10% cashback on various categories and at various partners, please see details in the table below.
You get a a maximum cashback of ₹1000 per month. For example, if you shop only in the 5% shopping categories/partners, you shall get 5% cashback on total card purchases of ₹20,000 per month.
| Applicable categories and partners | |
|---|---|
| 5% cashback on travel spends, through HDFC Smartbuy | ✓ Flight bookings ✓ Hotel bookings ✓ IRCTC train tickets ✓ Bus tickets, through RedBus ✓ MakeMyTrip holiday packages |
| 5% cashback on gift voucher purchases, through HDFC Smartbuy | Gift vouchers usually include Amazon Pay, Flipkart, Amazon shopping and more. There maybe individual limits on certain gift vouchers, and/or processing charges on certain gift vouchers, for example Amazon Pay vouchers. To see latest details, and a list of all gift vouchers available, please click here. |
| 5% cashback at select partners, through HDFC Smartbuy | ✓ Myntra ✓ Jockey ✓ Apple Imagine Tresor ✓ Nykaa ✓ Zoom Car |
| 10% cashback at select partners, through HDFC Smartbuy | ✓ Pharmeasy ✓ IGP.com |
Please click here for all the options to contact the bank.
In the unfortunate event of you losing your HDFC Credit Card, report it immediately to the 24-hour call centre. After reporting the loss, you have zero liability on any fraudulent transactions made on your Credit Card.
In India, contactless payments are allowed for a maximum of ₹5000 for a single transaction without requiring a credit card PIN. For transactions equal to or higher than ₹5000, the cardholder must input their credit card PIN for security reasons.
The annual fee for this card is ₹500. There are also attractive annual fee-related offers, please see details in the below table:
| Annual fee | Annual fee offers | |
|---|---|---|
| 1st year joining fee | ₹500 | Welcome offer worth ₹500 : You get a gift voucher worth ₹500, on card activation within 37 days of card issuance. |
| Renewal fee from 2nd year onwards | ₹500 | Renewal offer : Annual fee is not charged from the second year onwards , if you spend ₹1.50 lakhs or more in the previous year. |
– GST/ other applicable taxes as per current laws, will be applicable on all fees and charges
– To view all fees & charges on this card, please click here – IRCTC HDFC Bank Credit Card Fees & Charges
Although your credit card eligibility is based on multiple parameters which can be assessed once you apply for an HDFC Credit Card, there are certain basic criteria that all applicants must fulfil.
| Minimum age | 21 years |
| Maximum age | Salaried : 60 years Self-employed : 65 years |
| Occupation | Salaried or self employed |
| Minimum income requirement | Salaried : ₹25,000 Self-employed : ₹ 6 lakhs per year |
| Credit score | Not specified, a minimum credit score of 750 and above is generally preferred |
| Online application process | The easiest way is to click here – APPLY NOW , you will be taken to the card application page on the HDFC Bank website. You can also visit official website of the bank and fill out the application form. Steps : – The bank’s website and mobile app offer a user-friendly interface that makes the application process quick and easy. – To apply, simply provide your personal details, such as your mobile phone number, income, and PAN number, along with the required documents. – Submit the required documents |
| Offline (face to face) application process | You can visit any of the nearest branches of the bank and talk to an executive regarding the process. |
| Whatsapp Banking | You can also apply for your card through HDFC Whatsapp Banking. Here are the steps to apply for an HDFC credit card through WhatsApp banking: 1. Save the Chat Banking number 7070022222 (HDFC Bank WhatsApp number) in your contacts 2. Send “Hi” 3. Choose the desired option OR simply type your query, for example – “Apply for Credit Card” 4. Apply and wait for further instructions or updates on your card application status. |
| Approval timeline and tracking your application status | In most cases, the credit card decision would be communicated maximum within 21 working days. In certain cases, it could take longer, especially if the bank wants more information and documents from you. – Click here to track the status of your HDFC Bank Credit Card application. – You can also check the status of your application through Chat with EVA. Simply ask the chatbot to help you track your credit card applications and follow its instructions. |
| Required documents | – PAN card copy – Identity proof : PAN card , driving license, valid passport, voter ID (any one) – Address proof : Electricity bill, phone bill (not more than 2 months old), driving licence, passport, ration card, bank statement, passbook (not older than 3 months), voters ID, flat maintenance bill (not older than 2 months), rent agreement (any one) – Income proof : Latest salary slip/s, income tax return etc You maybe required to provide additional documents, on a case-to-case basis. |
IRCTC HDFC Bank Credit Card provides good benefits to frequent train travellers. With benefits such as accelerated reward points on train ticket bookings, and railway lounge access, it is a good card for those who frequently travel by train.
On non-railway spends, the reward rate is low, and hence you may need to consider other cards which give you good benefits on these spends.
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