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IRCTC HDFC Bank Credit Card is offered in partnership with IRCTC and offers multiple rail travel benefits to cardholders. It offers accelerated reward points for ticket bookings through IRCTC platforms as well as IRCTC customer passes and access to executive lounges for a low annual fee. In addition, cardholders receive welcome and historical benefits such as gift cards. This card is a good choice for you if you travel a lot by train. Read on to know more about its benefits, eligibility requirements and other features.
| Best Suited for | Travel |
| Joining Fee | Rs. 500 |
| Renewal Fee | Rs. 500 |
| Minimum Income Requirement | Salaried: More than Rs. 25,000 p.m.
Self-employed: ITR > Rs. 6 lakh p.a. |
| Best Feature | 5% cashback on train ticket bookings via SmartBuy; 5 reward points per Rs. 100 spent on IRCTC website & Rail Connect App |
| Welcome Benefit | Rs. 500 voucher on card activation within the first 30 days of its issuance |
| TheMoneyTrunk's Rating | *** (3/5) |
Refer below for the features and benefits offered by the HDFC IRCTC credit card across different spends:
This HDFC credit card comes with a gift voucher of Rs. 500 as an activation benefit. This welcome benefit can only be availed by activating the card within 30 days of card issuance.
This card provides an additional 5% cashback on booking IRCTC train tickets using HDFC Bank SmartBuy.
For instance, if you buy a ticket of Rs. 3,000, you will earn 5% cashback of Rs. 150 in addition to 150 reward points (5 points per Rs. 100). So, in total you can get benefits of up to Rs. 300 in total as 1 reward point is equivalent to Re. 1.
The card users are offered 8 complimentary access to select IRCTC Executive Lounges per year. These lounge visits can be availed twice in every calendar quarter. Click here for the list of railway lounges and more details.
You get a gift voucher worth Rs. 500 on reaching the retail spending milestone of Rs. 30,000 every quarter or every 90 days.
IRCTC HDFC credit card comes at a low annual fee of Rs. 500 with a decent travel rewards program. You get 5 reward points combined with an additional 5% cashback on all IRCTC spends. This credit card also offers 8 IRCTC lounge access annually. However, there are minimal benefits on all the non-IRCTC spends, like, shopping, groceries, bills, and more with only 1 reward point on every Rs. 100 spent. Therefore, HDFC IRCTC card is suitable for you only if you are a frequent train traveller as even the milestone gift voucher is offered only if you spend at least Rs. 30,000 in 90 days. If you wish to get better overall rewards, then you should probably look out for other cards.
The applicants must check out the below-mentioned criteria and documentation to check whether they are eligible for this card or not.
| Criteria | Details |
| Nationality | Indian |
| Occupation | Salaried or Self-Employed |
| Age | Salaried: 21 to 60 years
Self Employed: 21 to 65 years |
| Minimum Income Requirement | Salaried: More than Rs. 25,000 p.m.
Self-employed: ITR > Rs. 6 lakh p.a. |
| Serviceable Cities | Click here for the list of serviceable cities |
| Documents Required | Click here for the list of documents required |
| Fees and Charges | Details |
| Annual Fee | Rs. 500 |
| Renewal Fee | >Rs. 500 (Waived off on spending Rs. 1.5 lakh in previous year) |
| Finance Charges | 3.6% p.m. (or 43.2% p.a.) |
| Late Payment Fee | For Statement Balance:
|
Here is a list of some other similar credit cards with travel benefits:
| Credit Card | Annual Fee | Key Feature |
| MakeMyTrip ICICI Bank Platinum Credit Card | Nil | Up to 3 My Cash per Rs. 200 spent on MakeMyTrip |
| IRCTC SBI Platinum Credit Card | Rs. 300 | 10% value back as reward points on booking tickets through IRCTC |
| Standard Chartered EaseMyTrip Credit Card | Rs. 350 | 20% off on hotel bookings & 10% off on flight bookings with EaseMyTrip |
| Air India SBI Platinum Credit Card | Rs. 1,499 | 15 Reward Points per Rs. 100 spent on Air India tickets booked through airindia.com |
It is a long established fact that a reader will be distracted by the readable content of a page when looking at its layout.
It is a long established fact that a reader will be distracted by the readable content of a page when looking at its layout.
It is a long established fact that a reader will be distracted by the readable content of a page when looking at its layout.
It is a long established fact that a reader will be distracted by the readable content of a page when looking at its layout.
It is a long established fact that a reader will be distracted by the readable content of a page when looking at its layout.
It is a long established fact that a reader will be distracted by the readable content of a page when looking at its layout.
It is a long established fact that a reader will be distracted by the readable content of a page when looking at its layout.
It is a long established fact that a reader will be distracted by the readable content of a page when looking at its layout.
It is a long established fact that a reader will be distracted by the readable content of a page when looking at its layout.
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