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HDFC Bank IRCTC Credit Card Launched | TechnoFino Review

TechnoFino

Founder
TF Family
Founder
Admin
Recently, the HDFC Bank IRCTC credit card was added to the list of HDFC Bank credit cards. HDFC Bank has now officially launched the co-branded IRCTC HDFC Bank Credit Card.
Let's explore the card.

hdfc irctc technofino.jpg

Joining Fees- 500+GST
Annual Fees- 500+GST
Annual Fees Reversal Criteria- Spend Rs. 1,50,000 or more in a year

Welcome benefit- Gift Voucher worth INR 500 on card activation within 30 days of card issuance.

Main Benefits-
  • 8 complimentary access to select IRCTC Executive Lounges every year (2 per quarter).
  • 1% Transaction charges waiver on transactions done on IRCTC ticketing website and Rail Connect App.
    Maximum waiver of INR 1,000 per statement cycle.
  • 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
  • The IRCTC HDFC Bank Credit Card is enabled for linking to UPI.
Reward System-
  • 5 Reward Point for every INR 100 spent on IRCTC ticketing website and Rail Connect App.
    The accrual of the 5X HDFC Bank Reward Points on partner IRCTC spends is capped maximum at 1000 Reward Points per month and 12000 Reward Points Annually.
    That means if you spend 20,000 on IRCTC, then you'll earn maximum reward points 1000 per month.

  • If you book rail ticket via HDFC Bank SmartBuy, then you'll get additional 5% cashback.
  • You'll get upto 5% cashback for all transactions done on HDFC Smartbuy portal (other than rail ticket booking).
  • Smartbuy cashback maximum capping - Rs. 1000 per month.

  • 1 Reward Point for every INR 100 spent on all other spends .
    The accrual of the HDFC Bank Reward Points on all other spends is capped maximum at 1000 Reward Points per month and 12000 Reward Points Annually.
    That means if you spend 1L on other categories, then you'll earn maximum reward points 1000 per month.

  • Reward Points will not be accrued for the following spend on the card- Fuel Spends, Wallet loads / Gift or Prepaid Card load/ Voucher purchase, Government related transactions, Education, EMI, Rent
Quarterly Milestone Benefit- Get gift voucher worth INR 500 on quarterly spends of INR 30,000

Eligibility Criteria-
Indian Resident
Age - Min 21 & Max 60 (Salaried), 65 (Self Employed)
Income- 25,000/month (Salaried); 6L ITR (Self employed)

My Opinion:-
Undoubtedly, the HDFC Bank IRCTC Credit Card is one of the top IRCTC co-branded credit cards in the market. Unlike other IRCTC credit cards, such as the SBI IRCTC credit card, this card does not have a ticket class capping. The capping on the maximum reward points accrual is reasonable. Therefore, I believe that this is the ideal IRCTC credit card for frequent or moderate railway travelers.
 

CHOCOPANDA

TF Premier
1% or normal reward points which is credited to card
There is change of terms and portal is upgrading
so some part is directly credited in the credit card. only the irctc ticket reward is not getting credited in card and it is getting accumulated as reward point in reward portal of irctc . which yiu are not getting reddeemed. am i gussing correct
 

Pavan

TF Legend
TF Family
Moderator
is it good to take this card now all bugs & glitch is fixed or is running till now?
No i would suggest staying away ..even yesterday i wrote to HDFC MD desk :(
Now they have redemption fee of 99+GST which eventually drops the value

You can't book tatkal tickets in smarts buy
 

bhaveshS

TF Ace
No i would suggest staying away ..even yesterday i wrote to HDFC MD desk :(
Now they have redemption fee of 99+GST which eventually drops the value

You can't book tatkal tickets in smarts buy
now are you able to redeem that 5%?
i thought is best for irctc but because of hdfc mess its wrost.
 

Pavan

TF Legend
TF Family
Moderator
now are you able to redeem that 5%?
i thought is best for irctc but because of hdfc mess its wrost.
Not yet but will be soon available they are rolling in phases.
I agree that railway doesn't make much profit i can say reward rate is 7% not 10% owning we have redemption fee.
 

bhaveshS

TF Ace
Not yet but will be soon available they are rolling in phases.
I agree that railway doesn't make much profit i can say reward rate is 7% not 10% owning we have redemption fee.
so it is best for irctc comparing with sbi,bob?
and for tatkal ticket if i book ticket in irctc app through rupay credit card upi payment will i get 5%?
 
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