IRCTC HDFC Bank Credit Card

HDFC Bank Reward Points

• 5 Reward Point for every INR 100 spent on IRCTC ticketing website and Rail Connect App . To know more about the accrual of reward points please click here
• 1 Reward Point for every INR 100 spent on all other spends . To know more about the Reward Points accrual please Click Here
• Additional 5% cashback on train ticket bookings via HDFC Bank SmartBuy. To Know more click here
• 8 complimentary access to select IRCTC Executive Lounges every year (2 per quarter). To know more about IRCTC Executive Lounges click here
• 1% Transaction charges waiver on transactions done on IRCTC ticketing website and Rail Connect App. (Maximum waiver of INR 1,000 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 (subject to the submission of the charge by the Merchant)

Revolving Credit : Available at a nominal interest rate on your HDFC Bank Rupay IRCTC Credit Card. Please refer to Fees and Charges section to know more.

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)

Welcome Gift voucher worth INR 500 on card activation within first 30 days of card issuance. To know more about Welcome Benefit and card activation click here

Gift voucher worth INR 500 on quarterly spends of INR 30,000. To know more about Milestone Benefit​​​​​​​ Click Here

IRCTC HDFC Bank Credit Card comes with an option to convert your big spends into EMI after purchase. To know more​​​​​​​ click here

The IRCTC HDFC Bank Credit Card is enabled for contactless payments, facilitating fast, convenient, and secure payments at retail outlets.

Please note that in India, payment through contactless mode is allowed for a maximum of INR 5000 for a single transaction where you are not asked to input your Credit Card PIN. However, if the amount is higher than or equal to INR 5000, the Card holder has to enter the Credit Card PIN for security reasons.

Reward Points Accrual:

• The redemption against the train ticket booking and IRCTC voucher purchase will be at the rate of 1 Reward Point = INR 1 on HDFC Bank SmartBuy and HDFC Bank NetBanking. 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.
• Reward Points can be used only for redemption against purchase of IRCTC voucher via HDFC Bank SmartBuy/ Netbanking and train ticket booking via HDFC Bank SmartBuy.

*Please check important Terms and Conditions for CashBack accrual and redemption.

8 complimentary access to select IRCTC Executive Lounges every year (2 per quarter). To know more about IRCTC Executive Lounges Click Here

Spend INR 1,50,000 or more in an anniversary year, before your Credit Card renewal date and get your renewal fee waived off.

The IRCTC HDFC Bank Credit Card is enabled for linking to UPI. To know about how to link your IRCTC HDFC Bank Credit Card on BHIM UPI Click here