HDFC IRCTC Credit Card—For Frequent Train Travellers

The HDFC IRCTC Credit Card is a co-branded card designed specifically for frequent railway travellers who book through IRCTC. This credit card offers up to 5% cashback on booking of train tickets. Read on to know more about what all this credit card entails.

Key Privileges of the HDFC IRCTC Credit Card

• Get a welcome benefit of ₹500 on the first transaction within 37 days of credit card issuance.
• Get 5 reward points on every ₹100 spent on the IRCTC Rail Connect or Ticketing website.
• Avail an additional 5% cashback on booking of train tickets through HDFC Bank SmartBuy.

• 1% transaction charge reversal on transactions done via the IRCTC Rail Connect and Ticketing website.
• Get exclusive 8 complimentary access to select IRCTC lounges every year (up to a maximum of 2 every quarter).

Note: The value of 1 reward point is ₹1 for train ticket bookings.

Other HDFC IRCTC Credit Card Benefits

Apart from reward points and value back on IRCTC booking, the HDFC IRCTC Credit Card also provides these other benefits:

• Get 1 reward point for every ₹100 spent on all other merchant spends. 
• Get a gift voucher worth ₹500 on quarterly spends of ₹30,000.
• Avail a 1% fuel surcharge waiver on your fuel transactions of a minimum of ₹400 and a maximum transaction of ₹5,000. You can get a maximum cashback of only ₹250 for every statement cycle. 

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Applicable Fees and Charges of HDFC IRCTC Credit Card

Eligibility Criteria of the HDFC IRCTC Credit Card

1. Salaried individuals of Indian nationality, between the age range of 21 to 60 years and with a monthly income of ₹25,000 can apply for the HDFC IRCTC credit card.
2. The HDFC IRCTC credit card is also available for self-employed individuals of Indian origin and between the ages of 21 and 65 years. These individuals also need to have a minimum ITR of more than ₹6 lakh.

Process to Apply for the HDFC IRCTC Credit Card

Follow these steps to successfully apply for a HDFC IRCTC credit card: 

1. Head over to the official site of HDFC Bank. Next, you will have to click on Discover Products > Cards > Credit Cards.
2. Scroll down to the section labelled as 'Types of Credit Cards’. Here, you will have to select the 'Travel and Fuel' category.
3. You will be able to see the IRCTC HDFC Bank credit card under it. Just click on the 'Apply Online' button under it.
4. Then enter your details such as PAN, mobile number and date of birth. You will get an OTP sent to your mobile device after that.
5. In the next window, you have to enter your personal details like name, gender, mailing address and employment details.
6. Now select the HDFC IRCTC credit card option again.
7. Post-successful verification, your card will be activated and the physical version of the card will be sent to your mailing address.

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Steps to Link Your HDFC IRCTC Credit Card Loyalty Number with IRCTC Login

After activation of your HDFC IRCTC Bank credit card, you will be able to link your 11-digit loyalty number with the card. You need to use the same mobile number, email ID and date of birth which you provided during your application for this credit card. 

Then you need to follow these steps:

1. Visit the IRCTC Rail Connect app or website. If you do not have a prior IRCTC login ID, register yourself by signing up.
2. Now select the option labelled as 'Add Loyalty Account' provided under the 'Loyalty Account' tab.
3. Then enter the 11-digit Loyalty Number, which is printed on the back of the IRCTC HDFC Bank credit card. After that, click on send OTP.
4. Enter the OTP which you received on your registered mobile number and select 'Confirm'.
5. After having entered the OTP, you will get a confirmation message upon successful linking of your Loyalty account.
6. Now, you will easily be able to check the details of your Loyalty account under the 'Loyalty Account tab'.

HDFC IRCTC Credit Card: Who is it Ideal For?

• This credit card is ideal for you if you want a low annual fee credit card.
• You will be able to get the most benefits out of the HDFC IRCTC credit card if you are someone who frequently travels via train and prefers to make bookings through the IRCTC. 

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