10% Savings on Departmental & Grocery Store spends: For every Rs 100 you spend at Departmental & Grocery Stores, earn 10 Saving Points
Avail 1 Saving Point for every Rs 250 you spend on other categories without any restrictions
Spend Rs. 1, 25,000 every 6 months and get 6 free PVR tickets Or 1200 Reward Points
Visa payWave facility is the fasted, safe and secured method of paying. Just wave the Kotak Visa payWave Credit Card and pay for transactions up to Rs. 2000 without a PIN
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
Editor's Review
Pros
The Redemption options are Cash, Airline tickets, Movie Tickets, Mobile Recharge, Branded Merchandise
10% cashback on grocery and retail spending
Cons
Addon card Fees: Rs. 299
No complimentary Airport Lounge access
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
More comparisions with Kotak Mahindra Essentia Platinum Card