Our Money Guide

Brief Summary

Our Rating
4.0 / 5

Our View :

Best for those who travel by train frequently, you get upto 10% discount on train tickets.

While the cashback benefits are appealing, you need to be a regular user of Swiggy since all cashback is earned in the form of Swiggy Money, which can only be used/redeemed on Swiggy.


The annual spend target of ₹2 lakh to get an annual fee waiver (from 2nd year onwards) is achievable, if you use the card on the promotion categories on which you get special benefit . As a welcome offer, you get a complimentary 3-month Swiggy One Membership , upon card activation.

on HDFC Bank website

IRCTC HDFC Bank Credit Card

Special Benefits

10% cashback on various Swiggy apps

Other Benefits

5% cashback on various online purchases including Amazon & Flipkart

Minimum Income

Salaried : ₹25,000 per month
Self-Employed : ₹6 lakhs per year

Annual Fee

₹ 500

Annual Fee Offers

Welcome offer : Complimentary 3-month Swiggy One Membership

Renewal fee waived at ₹2 lakh annual card spend

IRCTC HDFC Bank Credit Card : Summary Table

10% benefit on railway tickets5% benefit on railway tickets – on IRCTC ticketing website and IRCTC Rail Connect App 
You get 5 reward points worth ₹5, on every ₹100 you spend on railway ticket bookings on IRCTC website and app – only on bookings upto ₹20,000 per month (since the maximum reward points you can earn at this accelerated 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.
– Reward points are valid for 2 years from date of earning.

Additional 5% benefit on rail ticket booking on HDFC Smartbuy
You earn ₹5 cashback, on rail ticket purchases on HDFC Smartbuy – only on ticket purchase/s upto ₹20,000 per month (since monthly cashback is capped at ₹1000 per month).
1% basic benefit on all other card spendsYou get 1 reward point worth ₹1, on every ₹100 you spend on all other card purchases.
– 1 reward point = ₹1, and can be redeemed on HDFC Smartbuy platform for railway ticket bookings.

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.
1% benefit on UPI spends The IRCTC HDFC Bank Credit card is enabled for linking UPI. Currently, you can link your IRCTC HDFC Bank Credit Card in select UPI apps only (PayZapp/ GPay/ PhonePe/ Mobikwik/ PayTM/ BHIM/ Slice).

You get 1 reward point worth ₹1, on every ₹100 you spend on UPI payments – only on UPI payments upto ₹50,000 per month (since you can earn a maximum of 500 reward points per calendar month on UPI spends).

To know about how to link your IRCTC HDFC Bank Credit Card on BHIM UPI Click here
Quarterly milestone benefit of upto 1.6% You get a gift voucher worth ₹500, upon spending ₹30,000 or more every 90 days.

Note – Cash transactions, Dial-An- EMI, Cash-on-Call, Balance Transfer, Card Account 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 details, please click here
1% transaction charges waiver – on  IRCTC ticketing website and Rail Connect AppYou get a 1% transaction charges waiver on IRCTC website and app – only on spends upto ₹1 lakh per month (since the maximum waiver amount is restricted to ₹1000 per monthly card statement cycle).
Fuel surcharge waiver 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).
₹500 annual feeAnnual fee offers
Welcome offer worth ₹500 : You get a gift voucher worth ₹500, on card activation within 30 days of card issuance.

Renewal offer : Annual fee is not charged from the second year onwards , if you spend ₹1.50 lakhs or more in the previous year.
Minimum income requirements Salaried : ₹25,000 per month
Self-employed : ₹6 lakhs per year

Pros and 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

  • This is a specialist rail travel card since reward rate on non-railway spends is low. So you need other cards for your major spending needs like shopping, non-rail travel, fuel, bill payments etc

Comparing with Competitor Cashback Credit Cards

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Cashback Rates 1% – 5%

1% – 5%

1.5% – 5%

2% – 5%

Other benefits Fuel Surcharge WaiverFuel Surcharge WaiverFuel Surcharge WaiverFuel Surcharge Waiver
Annual Fee ₹1,000 + Applicable Taxes

No Annual Fees

₹500

₹499

Annual Fee Offers Annual Fee Reversal on meeting ₹1,00,000 spends

Annual fee waived off on annual spends greater than ₹. 2,00,000.

Annual fee waived off on annual spends greater than ₹. 2,00,000.

Minimum Income Not Specified

Not Specified

Not Specified

Not Specified

Detailed Review of the IRCTC HDFC Bank Credit Card

Features & Benefits of IRCTC HDFC Bank Credit Card

10% benefit on railway tickets

✔︎ 5% benefit on railway tickets – on IRCTC ticketing website and IRCTC Rail Connect App

You get 5 reward points worth ₹5, on every ₹100 you spend on railway ticket bookings on IRCTC website and app. 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.

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.

Reward points are valid for 2 years from date of earning.

For more details, please click here.

✔︎ Additional 5% benefit on rail ticket booking on HDFC Smartbuy

You earn 5% cashback, on rail ticket purchases on HDFC Smartbuy. This cashback is restricted to ticket purchase/s upto ₹20,000 per month, since the maximum monthly cashback you can earn on HDFC Smartbuy is capped at ₹1000 per month.

1% basic benefit on all other card spends, including UPI spends

You get 1 reward point worth ₹1, on every ₹100 you spend on all other card purchases. 1 reward point = ₹1, and can be redeemed on HDFC Smartbuy platform for railway ticket bookings.

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.

1% benefit on UPI spends

The IRCTC HDFC Bank Credit card is enabled for linking UPI. 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

You get 1 reward point worth ₹1, on every ₹100 you spend on UPI payments. This benefit is given only on UPI spends upto ₹50,000 per month, since you can earn a maximum of 500 reward points per calendar month on UPI spends.

Quarterly milestone benefit of upto 1.6%

You get a gift voucher worth ₹500, upon spending ₹30,000 or more every 90 days.

Please note : Cash transactions, Dial-An- EMI, Cash-on-Call, Balance Transfer, Card Account 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 details, please click here

1% transaction charges waiver on IRCTC

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.

Fuel surcharge waiver

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. 

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 feeAnnual fee offers
1st year joining fee₹500Welcome offer worth ₹500 : You get a gift voucher worth ₹500, on card activation within 30 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 700-750 is generally preferred

How To Apply & Track Your Application Status?

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.

Other Cardholder Benefits

24/7 customer supportYour bank is always available; please click here for all the options to contact the bank.
Contactless paymentLook for the contactless network symbol on your card to determine if your credit card is contactless.

In India, contactless payments are allowed for a maximum amount of ₹5000 for a single transaction, without requiring a credit card PIN. For transactions equal to or higher than ₹5000, the cardholder must input their credit card PIN for security reasons.
Zero lost card liabilityIn the unfortunate event of you losing your Credit Card, please 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.

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.

Apply Now

on HDFC Bank website

Frequently Asked Questions

What is the minimum income requirement for the IRCTC HDFC Bank Credit Card?

The minimum income requirement for this card is ₹25,000 per month for salaried persons, and ₹6 lakhs per year for self-employed individuals.

Can I use this credit card for international transactions?

Yes, you can use the IRCTC HDFC Bank Credit Card for international transactions. Please take note of any associated fees and charges that may be incurred on such transactions.

What is the credit limit on this card?

The credit limit on the IRCTC HDFC Bank Credit Card will be determined based on factors such as your overall financial situation, income, credit utilisation, credit history etc.

What is the annual fee associated with this credit card?

The annual fee charged on the IRCTC HDFC Bank Credit Card is ₹500. You get a gift voucher worth ₹500, on card activation within 30 days of card issuance. Annual fee is not charged from the second year onwards , if you spend ₹1.50 lakhs or more in the previous year.

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