By: OurMoneyGuide || Last updated on: June 8, 2024

The IRCTC HDFC Bank Credit Card is a co-branded credit card offered by HDFC Bank in partnership with the Indian Railway Catering and Tourism Corporation (IRCTC).

This credit card is designed to provide exclusive benefits and rewards to frequent train travellers. With benefits such as accelerated reward points on train ticket bookings, and railway lounge access, it is a great card for those who frequently travel by train.

Pros & Cons of IRCTC HDFC Bank Credit Card

Pros

  • Good card for rail travellers – 10% benefit on rail tickets
  • You get other rail travel related benefits like complimentary access to railway lounges and 1% transaction waiver on IRCTC
  • 1% benefit on UPI spends

Cons

  • You need to consider other cards to earn higher rewards on non-railway card spends

Features & Benefits of the IRCTC HDFC Bank Credit Card

10% benefit on railway tickets – on ticket bookings till ₹20,000 per month

  • 5% benefit on railway tickets at IRCTC – on ticket bookings till ₹20,000 per month

You get 5 reward points worth ₹5, on every ₹100 you spend on railway ticket bookings on IRCTC website and app (non-EMI transactions). 

This special benefit is restricted to rail bookings upto ₹20,000 per month, since the maximum reward points you can earn at this special rate is restricted to 1000 reward points per month.

1 reward point = ₹1, and can be redeemed on HDFC Smartbuy platform for railway ticket bookings. 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. Rest of the booking amount needs to be paid on your card.

Reward points are valid for 2 years from date of earning. For more details, please click here.

  • Additional 5% benefit on rail ticket booking through HDFC Smartbuy – on ticket bookings till ₹20,000 per month

You earn 5% cashback, on rail ticket purchases through HDFC Smartbuy. 

This benefit is applicable on ticket purchase/s upto ₹20,000 per month, since you can a earn a maximum cashback of ₹1000 per month on HDFC Smartbuy. 

1% benefit on all other card spends || all UPI spends

You get 1 reward point worth ₹1, on every ₹100 you spend in these categories. 1 reward point = ₹1, and can be redeemed on HDFC Smartbuy platform for railway ticket bookings.

This benefit is given only on UPI spends upto ₹50,000 per month, since you can earn a maximum of 500 reward points per month on UPI spends. Currently, you can link your IRCTC HDFC Bank Credit Card in select UPI apps only (PayZapp/ GPay/ PhonePe/ Mobikwik/ PayTM/ BHIM/ Slice). To know about how to link your IRCTC HDFC Bank Credit Card on BHIM UPI, please click here.

Exceptions :
– No cashback is given on fuel purchases, rent payments, government-related transactions, education transactions, wallet loads /gift or prepaid card load/ voucher purchase, EMI transactions, payment of card fees and other charges, payment of outstanding balances, cash advances.
– On grocery purchases, you can earn a maximum of 1000 reward points per month.

Upto 1.6% additional benefit, at ₹30,000 quarterly card spend (milestone benefit)

You get a gift voucher worth ₹500, on spending ₹30,000 on your card each quarter – 1.66% benefit.

Please note that cash transactions, Dial-An- EMI, Cash-on-Call, balance transfer, card fee, personal loan on credit card, etc will not be considered as eligible spends for this offer.

Complimentary access to railway lounges in India – 2 per quarter

To know more about IRCTC Executive Lounges please click here.

1% transaction charges waiver on IRCTC (upto ₹1000 per month)

You get a 1% transaction charges waiver on IRCTC website and app.

This waiver is only given on spends upto ₹1 lakh per month, since the maximum waiver amount is restricted to ₹1000 per monthly card statement cycle.

Dining benefits (HDFC Swiggy Dineout Program) – 7.50% discount (upto ₹250 per order), twice a month

This offer is valid 2 times per month. Minimum order amount required to avail this offer is ₹2000. Payments need to be made through the Swiggy app. 

You get 7.50% discount (upto ₹250 per order) at restaurants. Hence you get a 7.50% discount on orders between ₹2000 and ₹3333. On orders above ₹3333, your discount percentage will fall below 7.50%.

For more details, including how to avail the offer, please click here – HDFC Swiggy Dineout Dining Program

Fuel surcharge waiver, upto ₹250 per month

You get 1% fuel surcharge waiver
– only on fuel transactions between ₹400 and ₹5000
– only on yearly fuel purchases of upto ₹25000 per month (since the maximum waiver amount is limited to ₹250 per monthly card statement cycle).

You need to meet both the above conditions to get fuel surcharge waiver. GST charged on fuel purchases is not refundable. 

Upto 10% cashback on a variety of categories and partners – through HDFC Smartbuy platform

HDFC Smartbuy is a platform which display’s HDFC Bank’s exclusive partnerships with a variety of partners. You get 5% – 10% cashback on various categories and at various partners, please see details in the table below.

You get a a maximum cashback of ₹1000 per month. For example, if you shop only in the 5% shopping categories/partners, you shall get 5% cashback on total card purchases upto ₹20,000 per month.


Applicable categories and partners
5% cashback on travel spends, through HDFC Smartbuy✓ Flight bookings
✓ Hotel bookings
✓ IRCTC train tickets
✓ Bus tickets, through RedBus
✓ MakeMyTrip holiday packages
5% cashback on gift voucher purchases, through HDFC SmartbuyGift vouchers usually include Amazon Pay, Flipkart, Amazon shopping and more.

There maybe individual limits on certain gift vouchers, and/or processing charges on certain gift vouchers, for example Amazon Pay vouchers. To see latest details, and a list of all gift vouchers available, please click here.
5% cashback at select partners, through HDFC Smartbuy✓ Myntra
✓ Apple Imagine Tresor
✓ Nykaa
✓ Zoom Car
10% cashback at select partners, through HDFC Smartbuy✓ Pharmeasy
✓ IGP
✓ Jockey
Please note that partners listed on HDFC Smartbuy platform could change from time to time. To see latest details of applicable partners, please click here.

HDFC 24/7 customer care

Please click here for all the options to contact the bank.

Zero lost card liability

In the unfortunate event of you losing your HDFC Credit Card, report it immediately to the 24-hour call centre. After reporting the loss, you have zero liability on any fraudulent transactions made on your Credit Card.

IRCTC HDFC Bank Credit Card Fees and Charges

Annual fee & annual fee offers

The annual fee for this card is ₹500. There are also attractive annual fee-related offers, please see details in the below table:

Annual fee
Annual fee offers
1st year joining fee₹500Welcome offer worth ₹500 : You get a gift voucher worth ₹500, on card activation within 37 days of card issuance.
Renewal fee from 2nd year onwards₹500Renewal offer : Annual fee is not charged from the second year onwards , if you spend ₹1.50 lakhs or more in the previous year.

Important Note

– GST/ other applicable taxes as per current laws, will be applicable on all fees and charges
– To view all fees & charges on this card, please click here – IRCTC HDFC Bank Credit Card Fees & Charges

Eligibility Criteria

Although your credit card eligibility is based on multiple parameters which can be assessed once you apply for an HDFC Credit Card, there are certain basic criteria that all applicants must fulfil. 

Minimum age21 years
Maximum ageSalaried : 60 years
Self-employed : 65 years
Occupation Salaried or self employed
Minimum income requirementSalaried : ₹25,000
Self-employed : ₹ 6 lakhs per year
Credit scoreNot specified, a minimum credit score of 750 and above is generally preferred

Application Process

Step-by-step guide –

Online application process
The easiest way is to click here – APPLY NOW , you will be taken to the card application page on the HDFC Bank website. You can also visit official website of the bank and fill out the application form.

Steps :
– The bank’s website and mobile app offer a user-friendly interface that makes the application process quick and easy.
– To apply, simply provide your personal details, such as your mobile phone number, income, and PAN number, along with the required documents.
– Submit the required documents
Offline (face to face)  application processYou can visit any of the nearest branches of the bank and talk to an executive regarding the process.
Whatsapp BankingYou can also apply for your card through HDFC Whatsapp Banking. Here are the steps to apply for an HDFC credit card through WhatsApp banking:

1. Save the Chat Banking number 7070022222 (HDFC Bank WhatsApp number) in your contacts
2. Send “Hi”
3. Choose the desired option OR simply type your query, for example – “Apply for Credit Card”
4. Apply and wait for further instructions or updates on your card application status.
Approval timeline and tracking your application statusIn most cases, the credit card decision would be communicated maximum within 21 working days. In certain cases, it could take longer, especially if the bank wants more information and documents from you.

– Click here to track the status of your HDFC Bank Credit Card application.
– You can also check the status of your application through Chat with EVA. Simply ask the chatbot to help you track your credit card applications and follow its instructions.

Necessary documents –

Required documents
– PAN card copy
– Identity proof : PAN card , driving license, valid passport, voter ID (any one)
– Address proof : Electricity bill, phone bill (not more than 2 months old), driving licence, passport, ration card, bank statement, passbook (not older than 3 months), voters ID, flat maintenance bill (not older than 2 months), rent agreement (any one)
– Income proof : Latest salary slip/s, income tax return etc

You maybe required to provide additional documents, on a case-to-case basis.

Conclusion

IRCTC HDFC Bank Credit Card provides good benefits to frequent train travellers. With benefits such as accelerated reward points on train ticket bookings, and railway lounge access, it is a good card for those who frequently travel by train.

On non-railway spends, the reward rate is low, and hence you may need to consider other cards which give you good benefits on these spends.