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
First Year Fee will get waived off on retail spends of Rs. 1,500/1,000 in the first month
In a calendar year, Renewal Year Fee will get waived off on retail spends of Rs. 25,000
Avail 2% accelerated cashback on using the Scan & Pay feature on Paytm App - Select Merchants only
Get 2% cashback on key accelerated categories - Swiggy and Uber
Avail 1% cashback on all other Retail Spends including Paytm spends
Utility Bill Payments: By registering the Credit Card with SmartPay, HDFC Bank's Utility Bill payment service, you can be ensured that all your utility bills will be paid on time easily and conveniently
If your card is lost, by reporting it immediately to the bank's 24-hour call centre, you will have zero liability for any fraudulent transactions made on your card
Get 1% fuel surcharge waived off on fuel transactions between Rs. 400 andRs. 5,000.
Obtain up to 50 days of interest free credit
Enjoy No Cost & Low cost EMI options on your credit card
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
Welcome Benefits
Avail 2% accelerated cashback on using the Scan & Pay feature on Paytm App - Select Merchants only
Get 2% cashback on key accelerated categories - Swiggy and Uber
Cons
No golf benefits
No discount on partner restaurants through Dineout
No airport lounge access
More comparisions with IRCTC HDFC Bank Credit Card