Level up the travel with up to 40X benefits! The card has annual fee of Rs. 500, so the cardholder can end up with benefits worth up to Rs. 20,000 annually by shopping, dining, travel bookings, and more with this Card. That’s 40 times the value of the annual fee
Redeem the Reward Points directly on IRCTC at incredible value - 1 Reward Point = Rs. 1
Navigate the daily commutes effortlessly at metro and bus stations by simply tapping the card
Enjoy a seamless payment process by using UPI, simply scan and pay for a smooth transaction process
8 complimentary (2 visits per quarter) lounge access at railway stations
Enjoy Rs. 5,000 cancellation protection in case a train is cancelled at the last minute
Transaction charges of 1% will be reversed on IRCTC RBL Bank Credit Card. Max Rs. 200 surcharge waiver per month on transaction up to Rs. 5,000
Get 5 Reward Points per Rs. 200 spent on train ticket bookings via the IRCTC website or App
Get 3 Reward Points per Rs. 200 swiped on FASTag recharge from RBL Bank Digital Channels/NCMC Reload/UTS App
Along with getting rewards on train tickets, cardholder can also avail 2 Reward Points per Rs. 200 spent on booking flights, hotels and cruises from the IRCTC website or App
Get 1 Reward Point per Rs. 200 spent everywhere
Annual Spend based benefit: By spending Rs. 50,000 and above in each calendar quarter, get Rs. 500 worth gift vouchers
Renewal Offer: In the first year, spend Rs. 50,000 and above to get renewal membership fee waived off
Get 2 Reward Points on every Rs. 150 spent
Get 2X Reward Points i.e. 4 Reward Points on every Rs. 150 spent online (With effect from 15th July 2020, cardholders can earn up to 500 Reward Points per statement cycle for online spends, under the 2X RP feature)
Every quarter, get a gift voucher worth Rs. 500 on spends of Rs. 50,000. Earn up to Rs. 2,000 worth gift vouchers in a year
Zero Lost card liability
Up to 50 days of interest free period from the date of purchase
Enjoy Revolving Credit at nominal interest rate
Enjoy amazing dining benefits with Good Food Trail program. Get up to 20 % savings off on all restaurant bill payments via Swiggy Dineout (20k + restaurants). This offer is inclusive of Restaurant and Swiggy Discount. This offer is valid only on payments done via Swiggy App
1% Fuel Surcharge waiver on fuel transactions on minimum transaction of Rs. 400 and maximum transaction of Rs. 5,000
Avail facility of converting big spends into EMI after purchase
HDFC Bank MoneyBack Credit Card is enabled for contactless payments
Reward Points can be used for redemption against travel benefits such as Flight and Hotel bookings, and the card members can redeem up to a maximum of 50% of the booking value through Reward Points and Rewards Catalogue at the SmartBuy Rewards Portal
Editor's Review
Pros
8 complimentary (2 visits per quarter) lounge access at railway stations and get Rs. 5,000 cancellation protection in case a train is cancelled at the last minute
Avail 2 Reward Points per Rs. 200 spent on booking flights, hotels and cruises from the IRCTC website or App
Welcome benefits
Cons
No dining or movie benefits
No golf benefits
No international/domestic airport lounge access
Pros
Zero liability on the lost card if reported immediately
With the EMV Chip technology presented in the card, stay protected against fraud
Avail up to 50 days of the interest-free period from the date of purchase, and enjoy Revolving Credit at a nominal interest rate