The HDFC Bank RuPay IRCTC Credit Card is a credit card offered by HDFC Bank in collaboration with RuPay and the Indian Railway Catering and Tourism Corporation (IRCTC).
This co-branded card is specifically designed to cater to the needs of frequent train travellers in India and offers a range of benefits and rewards.
HDFC Bank has recently joined forces with IRCTC to introduce a co-branded travel card, named the HDFC IRCTC RuPay Credit Card. This collaboration puts HDFC Bank in direct competition with SBI Card, which already offers co-branded cards with IRCTC. The HDFC IRCTC Credit Card comes with a membership fee of Rs. 499, which includes both the joining and annual charges.
However, users have the opportunity to waive the annual fee by meeting the prescribed spending criteria from the preceding year. In terms of reward benefits, this card offers Cash Points as incentives, providing flexibility in redemption across various options. With a rewarding rate of up to 5 Cash Points for every Rs. 100 spent, the HDFC IRCTC Credit Card offers an attractive and competitive reward structure.
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Benefits and Features of HDFC Bank RuPay IRCTC Credit Card
| Benefits and Features | HDFC Bank RuPay IRCTC Credit Card |
|---|---|
| Welcome Benefits | N/A |
| Cashback/Rewards Points | Earn 1 Cash Point for every Rs. 100 spent on retail purchases and enjoy a 5x Cash Points boost when making IRCTC bookings with this credit card. |
| Travel Benefits | Access railway lounges for free each year. |
| Dining Benefits | N/A |
| Domestic Lounge Access | with an added perk of 1 complimentary railway lounge visit every quarter. |
| International Lounge Access | N/A |
| Movie Benefits | N/A |
| Insurance Benefits | N/A |
Features of HDFC Bank IRCTC Credit Card
Welcome Perks
The HDFC Bank IRCTC credit card extends a generous welcome gesture, presenting a gift voucher valued at Rs. 500. This welcome benefit is accessible by activating the credit card within 30 days of issuance.
Rewards Program
Enjoy the opportunity to earn five reward points for every Rs. 100 spent on the IRCTC website and Rail Connect app. Additionally, gain one reward point for every Rs. 100 spent across other expenditure categories. Each HDFC Bank reward point holds a value equivalent to Re. 1.
Lounge Privileges
Benefit from eight complimentary accesses to select IRCTC Executive Lounges annually, with the flexibility to utilize these lounge visits twice per calendar year.
Cashback Incentives
Receive an extra 5% cashback when booking IRCTC train tickets through HDFC Bank SmartBuy.
Milestone Rewards
Upon reaching a quarterly or 90-day retail spending threshold of Rs. 30,000, cardholders qualify for a Rs. 500 gift voucher.
Additional Perks
IRCTC Transaction Fee Exemption: Enjoy a waiver of the 1% IRCTC transaction charge on both the IRCTC website and app.
Fuel Surcharge Waiver: Avail a 1% waiver on fuel surcharges for transactions ranging from Rs. 400 to Rs. 5,000.
Eligibility & Document for HDFC Bank RuPay IRCTC Credit Card
Read the article on CardsPreview.com for HDFC Bank RuPay IRCTC Card Eligibility & Document here.
Fees & Charges
| Fees & Charges | HDFC Bank RuPay IRCTC Card |
|---|---|
| Joining fee | Rs. 499 |
| Annual fee | Rs. 499 |
| Fee waiver | The annual fee is exempted if you spend Rs. 1.5 lakhs or more in the preceding year. |
| Fuel surcharge | Benefit from a 1% fuel surcharge waiver on all your fuel transactions. |
How to Apply for HDFC Bank RuPay IRCTC Credit Card
You can apply online or offline for this HDFC Bank RuPay IRCTC Card.
Online – Visit HDFC Bank’s official website and apply for this HDFC Bank RuPay IRCTC Card.
Offline – You can visit the nearest HDFC Bank branch with all the necessary documents for the HDFC Bank RuPay IRCTC Card.
