Avail 5 Reward Points for every Rs. 100 spent on the IRCTC ticketing website and Rail Connect App
Get 1 Reward Point for every Rs. 100 spent on all other spends
Avail an additional 5% cashback on train ticket bookings via HDFC Bank SmartBuy
8 complimentary access to selected IRCTC Executive Lounges every year (2 per quarter)
Get a 1% transaction charges waiver on transactions done on the IRCTC ticketing website and Rail Connect App
Spend Rs. 1,50,000 or more in one year before Credit Card renewal and get the renewal fee waived off
Up to 50 days of interest-free period from the date of purchase
Revolving Credit available at a nominal interest rate
1% fuel surcharge waiver at all fuel stations in India on transactions between Rs. 400 and Rs. 5,000
Milestone Benefits:Get a gift voucher valued at Rs. 500 when you make quarterly spends of Rs. 30,000 or more (every 90 days from the date of issue)
IRCTC Executive Lounge Benefits:Get8 complimentary access to selected IRCTC Executive Lounges every year (2 per quarter)
It is now possible to link IRCTC HDFC Bank Credit Card to select UPI apps: PayZapp/ GPay/ PhonePe/ Mobikwik/ PayTM/ BHIM/ Slice
A maximum of 500 reward points can be earned on UPI spends in a calendar month using the IRCTC HDFC Bank Credit Card
Convert big spends into EMI after purchase
The IRCTC HDFC Bank Credit Card is equipped with contactless payment technology for added convenience and speed
Renewal Offer:Spend Rs. 1 lakh or more in the previous 12 months to waive the renewal membership fee for the next year
Avail 5% Cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato
Avail 1% cashback on all other spends
Get Rs. 1000 worth of gift vouchers on spends of Rs. 1,00,000 and above in each calendar quarter
Up to 20% discount on partnered restaurants via Swiggy Dineout
Zero lost card liability
Up to 50 days of interest-free period from the date of purchase
Revolving Credit is available at a nominal interest rate
Enjoy amazing dining benefits with the Good Food Trail program
Save up to 20% on your restaurant bill payments at more than 20,000 restaurants with Swiggy Dineout. This offer includes both restaurant and Swiggy discounts and is only available for payments made through the Swiggy App
Lounge access has been added to the quarterly spend milestone program, effective from December 1, 2023. Once a user achieves a quarterly spend milestone, they can choose to receive either a Dreamfolks airport lounge access voucher or a Rs. 1000 voucher from a list of available brands
1% fuel surcharge waiver at all fuel stations in India. This is valid on transactions between Rs. 400 and Rs. 5000
Convert big spends into EMI after purchase
This card is equipped with contactless payment technology for added convenience and speed
Editor's Review
Pros
Complimentary access to Executive Lounges of IRTC
5 Reward Points for every Rs. 100 spent on the IRCTC ticketing website and Rail Connect App
Get 1 Reward Point for every Rs. 100 spent on all other spends
Cons
No golf benefits are provided
No airport lounge access
No movie and dining benefits
Pros
Get 7% Reward points on every Shoppers Stop spends
Get 2% Reward points on every Non-Shoppers Stop spends
Enjoy Complimentary Shoppers Stop Black membership worth Rs. 4500
Cons
No golf/coaching sessions
No proper lounge access benefits
More comparisions with IRCTC HDFC Bank Credit Card