HDFC Bank RuPay IRCTC Credit Card

8.8
Expert ScoreRead review
  • Amazon voucher worth Rs. 500 as a welcome benefit.
  • 1 Cash Point for every Rs. 100 spent on retail purchases.
  • 5x Cash Points on IRCTC spends.
  • Complimentary railway lounge access every year.
  • Spend-based waiver of the renewal fee.
  • 1% fuel surcharge waiver.

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HDFC Bank RuPay IRCTC Credit Card

8.8
Expert ScoreRead review
  • Amazon voucher worth Rs. 500 as a welcome benefit.
  • 1 Cash Point for every Rs. 100 spent on retail purchases.
  • 5x Cash Points on IRCTC spends.
  • Complimentary railway lounge access every year.
  • Spend-based waiver of the renewal fee.
  • 1% fuel surcharge waiver.
Category:
Reward Type
Reward Points
Renewal Fee
Rs. 500 + GST
Joining Fee
Rs. 500 + GST
Type of Card
Reward
Welcome Benefits
Amazon voucher worth Rs. 500 on making the first transaction within the first 30 days.

USP of Card

  • Amazon voucher worth Rs. 500 as a welcome benefit.
  • 1 Cash Point for every Rs. 100 spent on retail purchases.
  • 5x Cash Points on IRCTC spends.
  • Complimentary railway lounge access every year.
  • Spend-based waiver of the renewal fee.
  • 1% fuel surcharge waiver.

Fees & Charges

Spend Based Waiver
there are some transaction charges applicable to railway bookings using credit cards. But, with this credit card, you get a transaction charges waiver for transactions between Rs. 400 and Rs. 5,000.
Interest Rates
3.6% per month (or 43.2% annually)
Cash Advance Charges
3.5 % of the transacted amount
Rewards Redemption Fee
The earned Cash Points can be redeemed against travel bookings via IRCTC and several other options. 1 Cash Point = up to Re. 1.
Fuel Surcharge
1% fuel surcharge waiver applicable on all fuel transactions
Foreign Currency Markup
2.5% of the amount or Rs. 500, whichever is higher
Late Payment Fee
NIL on Less than Rs. 100, Rs 1300 on due More than Rs. 50,000, Rs 500 on due between Rs. 501 – Rs. 5,000, Rs 600 on due between Rs. 5,001 – Rs. 10,000, Rs 800 on due between Rs. 10,001 – Rs. 25,000
Add-on Card Fee
-

Rewards & Benifit

Movie & Dining offers
NA
Reward Redemption
The earned Cash Points can be redeemed against travel bookings via IRCTC and several other options. 1 Cash Point = up to Re. 1
Zero Liability Protection
The cardholders get a zero liability protection against a lost/stolen card if reported to the bank in a timely manner.
Rewards Rate
1 Cash Point for every retail spend of Rs. 100 and 5x Cash Points on IRCTC bookings.
Travel
Get 8 complimentary access to IRCTC Executive Lounges.
Online Shopping offers
Amazon voucher worth Rs. 500 as a welcome benefit.
Insurance Benefits
NA
Domestic Lounge Access
NA
International Lounge Access
NA
8.8Expert Score
This card is perfect if you regularly travel by train in India, either for work-related or leisure-related purposes. Up to eight times a year, it grants you premium access to the IRCTC Executive Lounge. You will also receive vouchers worth Rs. 500 as a welcome bonus after 30 days of registering.Benefit from a variety of sources with the fantastic HDFC Bank RuPay IRCTC Credit Card.
BestValuesScore
8.6
PROS
  • Highly beneficial card for frequent travels with complimentary access to Executive Lounges of IRTC (8 in a calendar year).
  • 5 reward points on each ₹100 spent on the IRCTC website and app and an additional 5% cashback on train ticket purchases through HDFC SmartBuy.
CONS
  • There is a minimum 100-point limit for redemption of rewards.
  • The reward points can only be used to purchase train tickets on the HDFC SmartBuy platform.
8.8Expert Score
This card is perfect if you regularly travel by train in India, either for work-related or leisure-related purposes. Up to eight times a year, it grants you premium access to the IRCTC Executive Lounge. You will also receive vouchers worth Rs. 500 as a welcome bonus after 30 days of registering.Benefit from a variety of sources with the fantastic HDFC Bank RuPay IRCTC Credit Card.
BestValuesScore
8.6
PROS
  • Highly beneficial card for frequent travels with complimentary access to Executive Lounges of IRTC (8 in a calendar year).
  • 5 reward points on each ₹100 spent on the IRCTC website and app and an additional 5% cashback on train ticket purchases through HDFC SmartBuy.
CONS
  • There is a minimum 100-point limit for redemption of rewards.
  • The reward points can only be used to purchase train tickets on the HDFC SmartBuy platform.

Specification: HDFC Bank RuPay IRCTC Credit Card

Credit Card
Type of Credit Card

Joining Fees

Renewal fees

Best Suited for

Reward Type

Welcome Benifits

Movie & Dining Offers

Travel Offers

online shopping offers

Reward redemption

Reward Rate

Domestic Lounge Access

International lounge access

Insurance Benifits

Zero liability protection

Spend based waiver

Reward redemption charges

Foreign currency markup Charges

Interest Charges

Fuel Surcharges

Cash advance charges

Specification
Late Payment Fees

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HDFC Bank RuPay IRCTC Credit Card
HDFC Bank RuPay IRCTC Credit Card

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