IRCTC HDFC Bank Credit Card

Features and Benefits of IRCTC HDFC Bank Credit Card

The following are the features and benefits of IRCTC HDFC Bank Credit Card:

Welcome Benefits

The IRCTC HDFC Bank credit card offers gift voucher worth Rs.500 in the form of a welcome benefit. You can avail this welcome benefit by activating the credit card within 30 days of its issuance.

Reward Points

• It offers five reward points on each Rs.100 spent on IRCTC website and Rail Connect app.
• Get one reward point on each Rs.100 spent on all other spending categories.
• One HDFC Bank reward points is equal to Re.1.

Lounge Access

The card offers eight complimentary access to choose IRCTC Executive Lounges every year. You can access the lounge visits twice every calendar year.

Cashback Benefits

This card offers an extra 5% cashback on booking IRCTC train tickets through HDFC Bank SmartBuy.

Milestone Benefits

You will get a gift voucher of Rs.500 on completing a retail spending limit of Rs.30,000 every quarter or every 90 days.

Others Benefits

• IRCTC Transaction Charge Waiver: 1% IRCTC transactions charge will be waived off on the IRCTC website as well as app.
• Fuel Surcharge Waiver: 1% fuel surcharge will be waived off on transactions ranging from Rs.400 to Rs.5,000.

Fees and Charges of IRCTC HDFC Bank Credit Card

The following are the fees and charges related to the HDFC Bank IRCTC RuPay Credit Card:

• The cardholder has to pay joining as well as annual membership fee of Rs.499 plus taxes. Apart from this, the renewal fee will be waived off on Rs.1.5 lakhs or more spends on the last anniversary year.
• The bank charges 2.5% of the amount withdrawn in the form of a cash advance fee which is subjected to a minimum of Rs.500.
• The interest rate of 3.6% per month is applied on the HDFC IRCTC RuPay Credit Card.
• It charges 3.5% of total transacted amount is charged as a foreign currency markup fee.