HDFC IRCTC Credit Card

The HDFC IRCTC Credit Card offers benefits for train travel ...The HDFC IRCTC Credit Card offers benefits for train travel bookings through IRCTC, with accelerated reward points on railway ticket purchases. It also provides discounts on ticket bookings, dining offers, and fuel surcharge waivers. Ideal for frequent train travelers and IRCTC users.

Upto ₹1100 Rewards

on Credit Card Activation

Top HDFC IRCTC Credit Card Offers

Earn Upto Rs 1100 CashKaro Rewards on IRCTC HDFC Bank Credit Card Activation

HDFC IRCTC Credit Card Benefits

1Earn 5 reward points per ₹100 spent on the IRCTC website & Rail Connect App

2Earn 1 reward points per ₹100 spent on all other categories

3Enjoy 8 complimentary IRCTC Executive lounge visits per year

Important Timelines

Important Terms & Conditions

If you currently hold or have ever held an HDFC Credit Card, you are not eligible for CashKaro Rewards
No Rewards Applicable for Employees of HDFC, HDB, CHBL & CSC Main or Group of Companies
A minimum transaction of ₹100 within 30 days is mandatory to activate your card; otherwise, you wont be eligible for the rewards

*The coupons and offers listed on this store are subject to modification, suspension, or termination at any time without prior notice. Customers are advised to verify the availability, validity, and applicability of the offers directly with the merchant before making any purchase.

Rewards Rates

₹1,100

Rewards on Card Activation (New Applicants of HDFC Bank Cards)

₹500

Rewards on Card Activation (Existing Customers of HDFC Bank)

All HDFC IRCTC Credit Card Offers

Expires in 5 days

Earn Upto Rs 1100 CashKaro Rewards on IRCTC HDFC Bank Credit Card Activation

More Details About the Offer

Important Information

If your Card is Activated, you will be eligible for CashKaro Rewards
Minimum transaction of Rs 100 is required within 30 days to activate the card
Joining Fees: Rs 500 + GST.
Annual Fees: Rs 500 + GST.

Why is this card so AWESOME?

Get 5 Reward points for every Rs 100 spent on IRCTC ticketing website & Rail Connect App
1 Reward point on every Rs 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 Rs 500 on card activation within first 37 days of Card Activation
Annual fee waiver on annual spends of Rs 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

Eligibility Criteria

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

Documents required for the Application

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

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.

How to Get This Offer?

Eligibility Criteria

Age: 21 to 65 years
Employment: Both salaried and self-employed individuals
Salaried Income: Rs.25000/monthly
Self Employed- ITR>Rs. 6 Lakhs/annum
Credit Score: 750+
New-to-Credit: Allowed for salaried & self-employed both

Fees & Charges

Joining Fee: Rs. 500 + GST
Annual Fee: Rs. 500 + GST. The Annual Fee is waived, if you spend ₹1,50,000 or more in the previous year

Documents Needed

ID Proof: PAN Card/Form 60
Address Proof: Aadhaar, Passport, or utility bills
Income Proof: Bank statements or Salary slips
Photograph: Recent passport-sized photo

Steps to Apply

Click on the Orange Button
You will be redirected to the HDFC Bank Credit Cards page
Complete the application in the same session

Terms & Conditions

CashKaro Rewards Related

If you currently hold or have ever held an HDFC Credit Card, you are not eligible for CashKaro Rewards
No Rewards Applicable for Employees of HDFC, HDB, CHBL & CSC Main or Group of Companies
A minimum transaction of ₹100 within 30 days is mandatory to activate your card; otherwise, you wont be eligible for the rewards
Please use Aadhaar linked mobile number to fill the application
VKYC done over 50km from your Aadhaar/communication address will result in application rejection and loss of Rewards

Also, Remember

Resume your application only via CashKaro to avoid losing Rewards
If your Rewards do not track, raise a Missing Rewards Ticket within 30 Days from the application date
Rewards can only be redeemed as Amazon Pay Balance

HDFC IRCTC Credit Card Benefits

1Welcome Gift voucher worth INR 500 on card activation

25 Reward Point for every INR 100 spent on IRCTC ticketing website and Rail Connect App . 1 Reward Point for every INR 100 spent on all other spends

3Enjoy additional 5% cashback on booking IRCTC train tickets using HDFC Bank SmartBuy

48 complimentary access to select IRCTC Executive Lounges every year (2 per quarter)

51% Transaction charges waiver on transactions done on IRCTC ticketing website and Rail Connect App. (Maximum waiver of INR 1,000 per statement cycle)

6Joining Fee- Rs. 500 +GST & Annual Fee- Rs.500+ GST

7The Annual Fee is waived, if you spend ₹1,50,000 or more in the previous year

Rewards Tracking Timeline

Your Rewards are added once the bank sends us the application completion report. This takes up to 72 hours after you complete the card application.

Rewards Confirmation Timeline

Once your card is activated, the bank shares a report with us which is used to update your Rewards status. Please note, this process can take up to 75 days, starting from the date you applied for the card.

Accept App Orders?

Orders placed on HDFC IRCTC Credit Card app are eligible for Rewards

Accept App Orders?

Orders placed on HDFC IRCTC Credit Card app are not eligible for Rewards