IRCTC HDFC Bank Credit Card

Rewards, as stated by the issuer

• ₹1,000 CashBack across 200+ brands on your Credit Card via Payzapp
• 1 Reward Point for every INR 100 spent on all other spends*
• 1% fuel surcharge waiver at all fuel stations across India
• A minimum of 100 Points are needed to be redeem rewards
• To redeem the Reward points, the customer needs to visit HDFC Bank SmartBuy Platform. https://offers.smartbuy.hdfcbank.com/v1/foryou
• On the next payment page, the customer can see the Reward Point Slider that they can use to add the number of reward points for redemption
• Redemption can be made only against a maximum of 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

Other benefits

• Additional 5% cashback on train ticket bookings via HDFC Bank SmartBuy
• 1% Transaction charges waiver on transactions done on IRCTC ticketing website and Rail Connect App
• 1 Reward Point for every INR 100 spent*
• Available on any fraudulent transactions made on your Credit Card if reported immediately to HDFC Bank’s 24-hour Call Centre
• Available at a nominate nominal interest rate. (Check Fees & Charges section for more details
• IRCTC HDFC Bank Credit Card is enabled* for Contactless Payments at retail outlets
• 5 Reward Points for every ₹100 spent on the IRCTC ticketing website and the Rail Connect app
• 8 complimentary access passes to select IRCTC executive lounges every year
• 1% transaction charges waiver on transactions done on the IRCTC ticketing website and Rail Connect app

Welcome & milestones

Lounge access

No airport lounge rule is listed on this card's page.

Eligibility

Every fee line found on the page

• 1% fuel surcharge waiver at all fuel stations across India
• Annual ITR > ₹6 lakh
• Save up to ₹13,500 * annually just like 76 lakh+ HDFC Bank Card Holders
• Joining/Renewal Membership Fee – ₹500/- + Applicable Taxes
• Spend ₹1,50,000 or more in a year, before your Credit Card renewal date and get your renewal fee waived off.
• Yes, you can withdraw cash using your IRCTC Credit Card, However, the bank will charge a cash advance fee of 2.5% of the transaction amount or a minimum of ₹500 whichever is higher. The bank also offers a cash advance limit of 40%. The type of your Credit Card ascertains your cash advance limit.
• 1 Reward Point per ₹100 spent on all other merchant (Spends on EMI interest amount and repayment, Fuel, Wallet load, gift vouchers, prepaid card loading, cash advances, payment of outstanding balances, payment of card fee and other charges, Government charges, Education, rental transactions etc. are excluded).
• First Year Joining Fee – ₹500/- + Applicable Taxes
• Renewal Membership Fee – ₹500/- + Applicable Taxes
• Renewal fee can be waived off if a customer spends ₹1,50,000 or more in an anniversary year, before your Credit Card renewal date.
• 1% Fuel Surcharge waiver on fuel transactions (Minimum transaction of ₹400, Maximum transaction of ₹5,000 & Maximum CashBack of ₹250 per statement cycle)
• (Fuel surcharge varies from 1% to 2.5% of fuel transaction base amount. The rate of surcharge may vary depending on the fuel station and their acquiring bank. GST is as applicable and is not reversible.)
• The accrual of the additional 5% cashback on Train Ticket Booking via HDFC BANK SmartBuy is capped maximum at ₹1,000 per month and ₹12,000 Reward points Annually.