Travel on Points

HDFC Bank RuPay IRCTC Credit Card

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  • Joining fee

    Rs. 500 + GST

  • Annual fee

    Rs. 500 + GST

  • Best suited for

    Travel

  • Reward type

    Reward Points

Rewards

  • Rewards rate

    5X Reward Points/₹100 for IRCTC Bookings and 1 Reward Point/₹100 for Other Valid Spends. An Additional 5% Cashback Can Be Earned for Rail Bookings Via SmartBuy

  • Welcome benefits

    Amazon Voucher Worth ₹500

  • Reward redemption

    Redeem Points for IRCTC Bookings. 1 Cash Point = ₹1

Benefits

  • Travel

    8 Complimentary Access to IRCTC Executive Lounges (Maximum Two Each Quarter)

Fees & charges

  • Spend-based waiver

    The renewal fee is waived on spending Rs. 1.5 lakhs or more in the previous year.

  • Rewards redemption fee

    ₹99 + GST

  • Foreign currency markup

    3.5%

  • Interest rates

    3.75% Per Month (45% Annually)

  • Fuel surcharge waiver

    1% Fuel Surcharge Waiver Up to ₹250 Each Statement Cycle

  • Cash advance charges

    2.5% of the cash amount or Rs. 500 (whichever is higher)

Product highlights

  • Amazon voucher worth ₹500 as a welcome benefit.
  • 1 Reward Point for every ₹100 spent on retail purchases.
  • 5X Reward Points on IRCTC spends.
  • Complimentary railway lounge access every year.
  • Spend-based waiver of the renewal fee.
  • 1% fuel surcharge waiver.

Pros & cons

Pros

  • Highly beneficial card for frequent travels with complimentary access to Executive Lounges of IRTC (8 in a calendar year).
  • 5 reward points on each ₹100 spent on the IRCTC website and app and an additional 5% cashback on train ticket purchases through HDFC SmartBuy.

Cons

  • There is a minimum 100-point limit for redemption of rewards.
  • The reward points can only be used to purchase train tickets on the HDFC SmartBuy platform.

FAQs

Do I get complimentary airport lounge access with the HDFC IRCTC Credit Card?

No, the HDFC Bank IRCTC Credit Card doesn’t offer free airport lounge access, but you get complimentary railway lounge access with this card.

Is the IRCTC HDFC Bank Credit Card lifetime free?

No, the HDFC Bank IRCTC Credit Card is not lifetime free. It comes with an annual fee of Rs. 500.

What is the interest rate on the IRCTC HDFC Bank Credit Card?

The interest rate on this credit card is 3.75% per month.