HDFC Bank RuPay IRCTC Credit Card
Joining Fee: ₹500 + GST
Renewal Fee: ₹500 + GST
Reward Type: Reward Points
Welcome Benefits
Amazon Voucher: Receive a ₹500 Amazon voucher upon activating the card and making your first transaction within 30 days of issuance.
Rewards Program
Cash Points on Retail Spending: Earn 1 Cash Point for every ₹100 spent.
Bonus Cash Points on IRCTC Bookings: Receive 5x Cash Points on IRCTC bookings.
Additional Discounts: Avail an extra 5% discount on IRCTC bookings via HDFC SmartBuy.
Reward Redemption
Railway Bookings: 1 Cash Point = ₹1 for redemption against railway bookings through the IRCTC app/website.
Flight/Hotel Bookings and Cashback: 1 Cash Point = ₹0.30 for redemption against flight/hotel bookings or other options, including cashback.
Travel Benefits
Complimentary Railway Lounge Access: Enjoy 2 complimentary visits to IRCTC Executive Lounges per quarter (8 per year).
Fee Waivers
Transaction Charges Waiver: Get a waiver on transaction charges for railway bookings between ₹400 and ₹5,000.
Fuel Surcharge Waiver: Receive a 1% waiver on fuel purchases between ₹400 and ₹5,000, capped at ₹250 per billing cycle.
Renewal Fee Waiver: The renewal fee of ₹500 is waived if you spend ₹1,50,000 or more in the previous anniversary year.
Milestone Benefits
Quarterly Gift Vouchers: Earn gift vouchers worth ₹500 on spending ₹30,000 or more every 90 days.
Finance & Forex Charges
Cash Advance Fee: 2.5% of the withdrawn amount, with a minimum fee of ₹500.
Interest Rate: 3.6% per month.
Foreign Currency Markup Fee: 3.5% of the total transacted amount.
Summary
The HDFC Bank IRCTC Credit Card offers valuable benefits for frequent railway travelers. Receive a ₹500 Amazon voucher upon activating the card and making your first transaction within 30 days. Enjoy 2 complimentary visits to IRCTC Executive Lounges per quarter, and get transaction charge waivers on railway bookings between ₹400 and ₹5,000. The card also provides a 1% fuel surcharge waiver and waives the ₹500 renewal fee if you spend ₹1.5 lakh or more annually. Earn 1 Cash Point for every ₹100 spent, with 5x points on IRCTC bookings and an extra 5% discount on IRCTC via HDFC SmartBuy. Redeem points at ₹1 each for railway bookings or at ₹0.30 for flights, hotels, or cashback. Joining and annual fees are ₹500, with a cash advance fee of 2.5% and an interest rate of 3.6% per month.