HDFC IRCTC Credit Card

Apply for HDFC IRCTC Credit Card for 5 RP per ₹100 on IRCTC, 8 railway lounges, 5% cashback via SmartBuy & fee waiver. Best for train travellers.

ANNUAL FEE

₹500

WAIVER: The annual fee is waived if you spend ₹1.5 lakh or more in a year on your card, as per bank policy.

REWARD RATE

5.0%

cashback

MIN INCOME

₹0.3L

APPROVAL PROBABILITY

medium

ADVANTAGES

[+]Earn 5 Reward Points per ₹100 on IRCTC Bookings on every eligible spend made via the IRCTC ticketing website and IRCTC Rail 1 Reward Point = ₹1 at redemption against train bookings via HDFC Bank SmartBuy
[+]Get Additional 5% Cashback on Train Ticket Bookings on all train ticket bookings made through HDFC Bank SmartBuy using the card, capped at 70% of the total fare
[+]Enjoy Complimentary Access to IRCTC Executive Lounges at select railway stations across India, to relax in comfort before your journey
[+]Earn 5 Reward Points per ₹100 on IRCTC Bookings on every eligible spend made via the IRCTC ticketing website and IRCTC Rail 1 Reward Point = ₹1 at redemption against train bookings via HDFC Bank SmartBuy
[+]Get Additional 5% Cashback on Train Ticket Bookings on all train ticket bookings made through HDFC Bank SmartBuy using the card, capped at 70% of the total fare
[+]1% Transaction Charge Waiver on IRCTC bookings via IRCTC website/app, Rail Connect, and HDFC Bank SmartBuy (capped at ₹1,000/month)

SYSTEM WARNING

Exclusions apply for: Fuel Spends, Wallet Loads, Gift Vouchers, Rent Payments, Education Spends, Cash Advances