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.
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-
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.
Let's explore the card.
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.
- 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
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.
that too on train category easily you can get 7-8% provided you redeem on trains 
