IRCTC HDFC Bank Credit Card is a co-branded travel card designed for frequent train travellers who prefer booking tickets via IRCTC. Users can enjoy 5% value back on train ticket bookings through IRCTC and an extra 5% cashback when bookings are made via the HDFC SmartBuy portal.
Unlike SBI’s IRCTC Platinum Card, this card stands out by allowing reward redemption against train tickets at a 1:1 ratio through SmartBuy, making it more rewarding for railway bookings.
The card also offers 8 complimentary railway lounge visits annually, a 1% transaction charge waiver on IRCTC bookings, along with welcome and milestone benefits that add extra value for regular train travellers.
IRCTC HDFC Bank Credit Card Rewards Program
Rewards Program
5 Reward Points per ₹100 spent on the Rail Connect app and IRCTC website
1 Reward Point per ₹100 spent on all other categories
Redeem Reward Points against train bookings on SmartBuy at 1 RP = ₹1
Other Features and Benefits
Railway Lounge Access:
8 complimentary visits to select IRCTC Executive Lounges per year (max. 2 per quarter).
Transaction Charge Waiver:
1% waived on IRCTC website/app transactions, capped at ₹1,000 per month.
Welcome Benefit:
₹500 gift voucher on card activation within 30 days of issuance.
Cashback
Extra 5% cashback on IRCTC train ticket bookings via HDFC Bank SmartBuy.
Milestone Benefit:
500 gift voucher on spending ₹30,000 in a quarter.
Fuel Benefit:
1% fuel surcharge waiver on transactions between ₹400–₹5,000, capped at ₹250 per month.
Annual Fee Waiver:
Waived on spending ₹1.5 lakh in a year.
Fees and Charges
Fees & Charges
Fee Type
Amount
Joining Fee
Rs. 500 + Applicable Taxes
Annual Fee
Rs. 500 + Applicable Taxes
Finance Charges
3.75% p.m. | 45% p.a.
Late Payment Charges
For outstanding balance:
Up to Rs. 100
Nil
Rs. 101 to Rs. 500
Rs. 100
Rs. 501 to Rs. 5,000
Rs. 500
Rs. 5,001 to Rs. 10,000
Rs. 600
Rs. 10,001 to Rs. 25,000
Rs. 800
Rs. 25,001 to Rs. 50,000
Rs. 1,100
More than Rs. 50,000
Rs. 1,300
Things to Know Before you apply
Get this card if:
You frequently travel by train and book tickets via IRCTC.
You want to save on train travel with reward points, lounge access, and cashback.
Eligibility Criteria
Age: 21 to 70 years
Occupation: Salaried or Self-employed
Credit Score: Should have a good credit history
Document Required For IRCTC HDFC Bank Credit Card
Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
Proof of Address: Aadhaar Card, Driver’s License, Passport
Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
IRCTC HDFC Bank Credit Card Hilights
What do we like about this card?
Earn 5 reward points per ₹100 spent on Rail Connect app and IRCTC website; 1 RP per ₹100 on other spends.
Redeem points against train bookings via SmartBuy at 1 RP = ₹1.
8 complimentary IRCTC railway lounge visits per year (max 2 per quarter).
1% transaction charge waiver on IRCTC bookings (up to ₹1,000/month).
Welcome gift voucher of ₹500 on activating the card within 30 days.
Milestone benefit: ₹500 gift voucher on spending ₹30,000 in a quarter.
1% fuel surcharge waiver on transactions between ₹400–₹5,000 (max ₹250/month).
Annual fee waiver on spending ₹1.5 lakh in a year.
Additional 5% cashback on IRCTC bookings via HDFC SmartBuy.
Pros
Earn accelerated rewards on IRCTC bookings and redeem them at 1:1 value.
Complimentary 8 railway lounge visits per year.
Additional benefits like welcome gift voucher, milestone rewards, and transaction/fuel charge waivers.
Cons
Rewards on non-IRCTC spends are minimal (1 RP per ₹100).
Limited benefits outside train travel and related bookings.
HDFC Bank Credit Card Contact Details
HDFC Card offers multiple ways to get assistance for your credit card queries and services.
Contact Address: Manager, HDFC Bank Cards Division, PO BOX # 8654, Thiruvanmiyur PO Chennai - 600 041
Helpline: You can contact us at 1800 1600 / 1800 2600.
Simply SMS: - SMS “CCHELP” to 5676712
Frequently Asked Questions
Everything you need to know about this credit card
The joining fee is ₹499 + taxes.
You receive a ₹500 gift voucher if you activate the card within 30 days of issuance.
Earn 5 RP per ₹100 on IRCTC bookings and 1 RP per ₹100 on other spends.
Reward points can be redeemed against train bookings via the SmartBuy portal at 1 RP = ₹1.
Yes, you get a ₹500 gift voucher on spending ₹30,000 in a quarter.
Yes, 8 complimentary visits to select IRCTC Executive Lounges per year (max 2 per quarter).
Yes, 1% fuel surcharge waiver on transactions between ₹400–₹5,000, capped at ₹250 per month.
Yes, the annual fee is waived if you spend ₹1.5 lakh in a year.
How Can I Apply for a Credit Card Online?
✔Step 1: Enter your mobile number in the application form
✔Step 2: Provide your personal details
✔Step 3: Enter OTP to verify your mobile number
✔Step 4: Select the credit card
✔Step 5: Compare offers and apply for the best-suited credit card
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