About HDFC IRCTC Credit Card
- Get 5 Reward Points for every Rs 100 spent on IRCTC ticketing website & Rail Connect App.
- Earn 1 Reward Point on every Rs 100 spent on all other spends.
- Additional 5% Cashback on train ticket bookings via HDFC Bank SmartBuy.
- Card can be linked to your UPI for convenient transactions.
- Welcome voucher worth Rs 500 on card activation within first 37 days.
- Annual fee waiver on annual spends of Rs 1,50,000 or more.
Other Amazing Offers
- 8 complimentary access to select IRCTC Executive Lounges every year (2 per quarter).
- 1% fuel surcharge waiver on transactions between Rs 400 and Rs 5,000 (max waiver Rs 250 per statement cycle).
- Up to 50 days interest-free credit period from the date of purchase.
- Revolving credit available at nominal interest rates.
Fees & List of all Charges
- Joining Fees: Rs 500 + GST.
- Annual Fees: Rs 500 + GST.
Documents Needed
- Address Proof: Aadhaar, Passport, or latest utility bills.
- ID Proof: PAN, Voter ID, or Passport.
- Income Proof: Bank Statement or Salary Slips.
Eligibility Criteria
- Required Age: 21 - 60 years.
- Employment Status: Salaried or Self-Employed.
- Minimum Income (Salaried): Rs 25,000/month.
- Minimum Income (Self-Employed): Rs 6,00,000/annum.
How to Avail the Offer
- User will be redirected to HDFC Bank's website.
- Click Login/Join Now and complete OTP verification.
- Select HDFC Bank Credit Card and provide the required details.
- Application will be submitted, and a confirmation SMS will be sent on approval.