HDFC IRCTC Credit Card

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