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HDFC IRCTC Credit Card

HDFC IRCTC Credit Card

4.7 of 5 | 530 Ratings
Railway Journeys, Rewarded by HDFC☛ Pay via UPI (linked to this card) to any merchant - it's a Rupay card!
☛ 5% Cashback on Train Ticket Bookings
☛ Rewards on all IRCTC Bookings
+ Upto ₹1500 CashKaro Rewards on Credit Card Activation


Rewards tracks in

72 Hours


HDFC IRCTC Credit Card Coupon & Offer

Earn Upto ₹1500 CashKaro Rewards on IRCTC HDFC Bank Credit Card Activation

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Why is this card so AWESOME?

  • Get 5 Reward points for every ₹100 spent on IRCTC ticketing website & Rail Connect App
  • 1 Reward point on every ₹100 spent on all other spends
  • Additional 5% Cashback on train ticket bookings via HDFC Bank SmartBuy
  • Credit Card to UPI - The HDFC IRCTC Credit Card can be linked to your UPI
  • Welcome voucher worth ₹500 on card activation within first 37 days of card issuance
  • Annual fee waiver on annual spends of ₹1,50,000 or more

Other Amazing Offers

  • 8 complimentary access to select IRCTC Executive Lounges every year (2 per quarter)
  • 1% fuel surcharge waiver at all fuel stations across India (on minimum transaction of INR 400 & maximum transaction of INR 5,000. Maximum waiver of INR 250 per statement cycle)
  • Interest Free Credit Period : Up to 50 days of interest free period on your HDFC Bank Rupay IRCTC Credit Card from the date of purchase
  • Revolving Credit : Available at a nominal interest rate on your HDFC Bank Rupay IRCTC Credit

Reward Rate Redemption and validity

  • The redemption against the train ticket booking at the rate of 1 Reward Point = INR 1 on HDFC Bank SmartBuy Reward Points will lapse on expiry of two years from the date of issuance
  • 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
  • A minimum of 100 Points are needed to be redeem rewards

How to Apply

  • Click on the Orange Button
  • You will be redirected to HDFC Bank Credit Cards page
  • Click Login/Join Now and do OTP verification
  • You will see the cards you are eligible for, select the card and provide the required details
  • Complete your VKYC within 72 hours of your application.

Documents required for the Application

  • Address Proof - Aadhaar, Passport, Latest utility bills
  • ID proof - PAN, Voter ID, Passport
  • Income proof - Bank Statement, Salary Slips

Eligibility Criteria

  • Required Age: 21 - 60 years
  • Employment status: Salaried or Self-Employed
  • Minimum Income: ₹25,000 per month (Salaried)
  • Minimum Income: ₹6 lakhs per annum (Self-Employed)

Fees and Charges

  • Joining Fees: ₹500 + GST.
  • Annual Fees: ₹500 + GST.
  • However, you get ₹1500 CK Rewards on card Activation. This makes the card effectively Free for 3 years!

Important Information

  • If your Card is Activated, you will be eligible for CashKaro Rewards
  • Minimum transaction of ₹100 is required within 37 days to activate the card, otherwise it will get closed

Expires in 15 days

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