HDFC Bank IRCTC Credit Card Launched | TechnoFino Review

[TechnoFinoTechnoFino is verified member.]

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-

• 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]

I have been using this card for a year 🙂 still there are many open issues for me
30K milestone voucher i have to mail every quarter
Still smartbuy people say sir you can't book train tickets using points
1% on the irctc most of the times are missed (fixed for now)

But enjoying the card for the RUPAY network and netreturn of 7% on train tickets (118 INR goes for redemption)

1. So after mailing do u get quarterly vchr. How much. Only irctc or any other brand.
2. What is the Cashback rate on irctc hdfc cc.
3. Is anything given in cashback for UPI or smartbuy or all goes to irctc points
4. Have you tried to make it ltf.
5. I am holding millenia. But I want that card too. But hdfc is denying that u already hold a cc of our bank. After that I applied neu plus and got it.
Kindly reply when u have time

 

[Sahil_07]

I have been using this card for a year 🙂 still there are many open issues for me
30K milestone voucher i have to mail every quarter
Still smartbuy people say sir you can't book train tickets using points
1% on the irctc most of the times are missed (fixed for now)

But enjoying the card for the RUPAY network and netreturn of 7% on train tickets (118 INR goes for redemption)

i did not face any such issues. using it for 6 months, got 2 amazon vouchers, booked only 1 train ticket where 70% points was used. I am thinking not to apply any core hdfc card otherwise I have to close this card

 

[Sahil_07]

1. many options like flipkart,amazon,myntra,book my show, 2.10% effectively if you book train tickets from smartbuy,1% for other spends 3. 1% for upi, 5% for smartbuy vouchers like other hdfc debit/credit card, 4.No,if you want to get 4*500 amazon vouchers,renewal fee will be almost waved off(1.5lakh) 5.Hard to get hdfc consider this card as their core card,so you wont get it unless your close your current card(I may be wrong)

 

[Sourabh_13]

30K milestone voucher i have to mail every quarter

I am not facing this issue. Each of the three times, the voucher was received a day after the transaction crossed the 30K milestone settled.

Still smartbuy people say sir you can't book train tickets using points

Could you please elaborate? What else can be done using the points?

1% on the irctc most of the times are missed (fixed for now)

What is this 1%? Are you talking about the transaction charge reversal? If yes, I am not facing this issue as well. The charge is reversed within two days once the transaction settles.

 

[PavanPavan is verified member.]

2. What is the Cashback rate on irctc hdfc cc. -- 10% (5 +5)
3. Is anything given in cashback for UPI or smartbuy or all goes to irctc points (All goes to irctct points
4. Have you tried to make it ltf. - It's LTF for me
5. I am holding millenia. But I want that card too. But hdfc is denying that u already hold a cc of our bank. After that I applied neu plus and got it.
Kindly reply when u have time

1. So after mailing do u get quarterly vchr. How much. Only irctc or any other brand. --Yes am getting

 

[PavanPavan is verified member.]

I am not facing this issue. Each of the three times, the voucher was received a day after the transaction crossed the 30K milestone settled.


Could you please elaborate? What else can be done using the points?


What is this 1%? Are you talking about the transaction charge reversal? If yes, I am not facing this issue as well. The charge is reversed within two days once the transaction settles.

Yes many people are lucky 🙂 but for me am facing this

Even i have been compensated 2k *2 for all the troubles i have been facing 🙁

Some time i don;t like this card for the troubles

 

[PavanPavan is verified member.]

1. many options like flipkart,amazon,myntra,book my show, 2.10% effectively if you book train tickets from smartbuy,1% for other spends 3. 1% for upi, 5% for smartbuy vouchers like other hdfc debit/credit card, 4.No,if you want to get 4*500 amazon vouchers,renewal fee will be almost waved off(1.5lakh) 5.Hard to get hdfc consider this card as their core card,so you wont get it unless your close your current card(I may be wrong)

i did not face any such issues. using it for 6 months, got 2 amazon vouchers, booked only 1 train ticket where 70% points was used. I am thinking not to apply any core hdfc card otherwise I have to close this card

Yes you are lucky 🙂

I hold Infinia,IRCTC, Tata Neu infinity,Tata neu plus , Swiggy, Paytm card from hdfc
You can get additional card but you need email and escalate sir

 

[manop1990]

hdfc irctc credit card

is the loyalty account linking necessary in irctc website to get 5x reward points and 1% transaction fee waiver?

if the loyalty account linking is not necessary, will the tickets booked in other irctc id's get 5x reward points and 1% transaction fee waiver?

 

[PavanPavan is verified member.]

hdfc irctc credit card

is the loyalty account linking necessary in irctc website to get 5x reward points and 1% transaction fee waiver?

if the loyalty account linking is not necessary, will the tickets booked in other irctc id's get 5x reward points and 1% transaction fee waiver?

Linking is not mandatory and you will get 5X rewards at the month end

 

[Sourabh_13]

Will the tickets booked in other irctc id's get 5x reward points and 1% transaction fee waiver?

Y e s

 

[manop1990]

what is the use of loyalty number in hdfc credit card?

 

[manop1990]

is there any specific payment method(irctc ipay, multiple payment service, payment gateway/credit card/debit card) to be used to get 5x rewards and 1% transaction fee waiver in irctc website/ app?

 

[Sourabh_13]

is there any specific payment method(irctc ipay, multiple payment service, payment gateway/credit card/debit card) to be used to get 5x rewards and 1% transaction fee waiver in irctc website/ app?

Use the credit card on IRCTC gateway. If using smartbuy, then it's simple...just use credit card option

 

[manop1990]

Use the credit card on IRCTC gateway. If using smartbuy, then it's simple...just use credit card option

but while booking for loyalty account holder, irctc says 'Accrual is allowed only if payment is done by any of the payment gateways available under 'Payment Gateway / Credit Card / Debit Card' for IRCTC Co-Branded Loyalty Credit Card'.

So this information is not applicable to HDFC irctc card?

 

[manop1990]

Use the credit card on IRCTC gateway. If using smartbuy, then it's simple...just use credit card option

u mean IRCTC iPay? But this gateway has the highest payment gateway charge of 1.8 % compared to other gateways.

There is only 1% transaction charge waiver for HDFC IRCTC credit card. So how the 1.8% transaction charge be waived in this IRCTC iPay gateway?

 

[Sourabh_13]

u mean IRCTC iPay? But this gateway has the highest payment gateway charge of 1.8 % compared to other gateways.

There is only 1% transaction charge waiver for HDFC IRCTC credit card. So how the 1.8% transaction charge be waived in this IRCTC iPay gateway?

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No it won't by itself. At least back then it didn't use to happen. I had to mail customer care, then escalate it regarding additional 0.8%, and that too, they only gave reward points. Not at all worth it. I don't know if they have fixed these things. I never used it again on IRCTC site.

By the way, why do you want to use HDFC IRCTC card on IRCTC? For tatkal bookings?

Using the card through smartbuy will fetch you ~10% valueback unlike 5% through IRCTC.

 

[Sourabh_13]

No it won't by itself. At least back then it didn't use to happen. I had to mail customer care, then escalate it regarding additional 0.8%, and that too, they only gave reward points. Not at all worth it. I don't know if they have fixed these things. I never used it again on IRCTC site.

By the way, why do you want to use HDFC IRCTC card on IRCTC? For tatkal bookings?

Using the card through smartbuy will fetch you ~10% valueback unlike 5% through IRCTC.

Maybe once mail HDFC and get this cleared. It will help us all too, if you update it here.. 🙂

 

[manop1990]

No it won't by itself. At least back then it didn't use to happen. I had to mail customer care, then escalate it regarding additional 0.8%, and that too, they only gave reward points. Not at all worth it. I don't know if they have fixed these things. I never used it again on IRCTC site.

By the way, why do you want to use HDFC IRCTC card on IRCTC? For tatkal bookings?

Using the card through smartbuy will fetch you ~10% valueback unlike 5% through IRCTC.

No it won't by itself. At least back then it didn't use to happen. I had to mail customer care, then escalate it regarding additional 0.8%, and that too, they only gave reward points. Not at all worth it. I don't know if they have fixed these things. I never used it again on IRCTC site.

By the way, why do you want to use HDFC IRCTC card on IRCTC? For tatkal bookings?

Using the card through smartbuy will fetch you ~10% valueback unlike 5% through IRCTC.

i have bought this card around 15 days back and used in both irctc (at tatkal peak hours) and smartbuy (non-tatkal timings).

in irctc i have been using MULTIPLE PAYMENT SERVICE --> PAYTM GATEWAY. till now i could see 1% rewards only in unbilled transactions and transaction fee is not waived.

for smartbuy train ticket purchases, i have received 5% cashback after 2 days of purchase and there is zero payment gateway charges.
but when the same ticket booked in smartbuy is DOWNLOADED/VIEWED from irctc website, payment gateway charges are shown.

Additional info- train ticket booked in smartbuy is to be cancelled from smartbuy only. smartbuy booked tickets will be shown in irctc. but smartbuy booked tickets cannot be cancelled from irctc. smartbuy has the GENERAL and TATKAL quota only. PREMIUM TATKAL quota is not available in smartbuy.

after credit card is billed, i will check the statement for 5% rewards and 1% transaction charges waiver and will update here.

 

[manop1990]

1st bill is received.

only benefit is 5% cashback for tickets bought in smartbuy

problems
only 1 reward point is received for every Rs100 spent even in IRCTC website and HDFC SMARTBUY. additional 4 point rewards are not received.
also there is NO 1% transaction fee waiver for irctc website transactions till now.

i have raised complaint for these 2 issues in hdfc customer care

 

[Sourabh_13]

1st bill is received.

only benefit is 5% cashback for tickets bought in smartbuy

problems
only 1 reward point is received for every Rs100 spent even in IRCTC website and HDFC SMARTBUY. additional 4 point rewards are not received.
also there is NO 1% transaction fee waiver for irctc website transactions till now.

i have raised complaint for these 2 issues in hdfc customer care

It should be 5% cashback + 5% reward points.

Cashback/Rewards for non-IRCTC spends through SmartBuy would be as per SmartBuy policy/offers..