IRCTC HDFC Bank Credit Card
Rewards & Benefits
Welcome Benefits
Gift voucher worth INR 500 on card activation by undertaking one transaction of any amount in the first 37 days of card issuance.
Milestone Benefits
Milestone Benefits: Rs 500 worth gift voucher on spending Rs 30,000 in any quarter.
Cashback Rate
5% cashback on train ticket booking through HDFC SmartBuy.
Get 5 reward points for every 100 spent on IRCTC ticketing website and Rail Connect App. Value of 1 reward point = INR 1. IRCTC cashback rate = 5%.
1 Reward point on all other spends. General cashback rate = 1%.
Movie Benefits
Dining Benefits
Other Benefits
Lounge Access
Fees & Charges
Joining Fee
500 /- + Applicable Charges
Annual Fee
500 /- + Applicable Charges
Cash Advance Fee
2.5% or INR 500 whichever is higher
Interest rate
3.6% per month (i.e., 43.2% per annum)
Late Payment Fee
Late Payment Charges: Ranges from INR 100 to INR 1300.
Foreign Currency Transactions Fee
Foreign Currency Mark-up Fees: 3.5%.
Other Fees
Cash Advance Charges: A transaction fee of 2.5% or INR 500 whichever is higher | Reward Redemption Fee: INR 99.
Cons
Low general cashback rate.
No free movie tickets.
Limited value add features.
No free airport lounge visits.
Welcome benefits: Users will get a gift voucher worth INR 500 on card activation by undertaking one transaction of any amount in the first 37 days of card issuance.
Reward System: 5% cashback on train ticket booking through HDFC SmartBuy. 5 reward points for every 100 spent on IRCTC ticketing website and Rail Connect App. Value of 1 reward point = INR 1. IRCTC cashback rate = 5%. 1 Reward point on all other spends. General cashback rate = 1%.
1% transaction charge waived on ticket booking on railways website and app.
Milestone Benefits: INR 500 worth gift voucher on spending INR 30,000 in any quarter.
8 free access to select IRCTC Executive Lounges each year (2ach e quarter).
Rewards & Benifits
Welcome Benefits
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Rewards System
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International Forex Markup
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Welcome Benefits and Reward System
Special Features
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Eligibility Criteria
You must be an Indian citizen.
You must be 21-60 years of age if you are salaried, and 21-65 years of age if you are self-employed.
Your net monthly income must be greater than Rs. 25,000 if you are salaried, and your ITR must be greater than Rs. 6 lakhs per annum if you are self-employed.
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
Eligibility: Check if you meet the eligibility criteria, which typically include a minimum income and age requirement (details on HDFC website).
Apply online: Visit the HDFC Bank website or app and fill out the online application form.
Documents: Submit the required documents like PAN card, address proof, and income proof.
Verification: HDFC will verify your documents and creditworthiness.
Approval: Upon approval, you will receive your credit card within 7-10 working days.
Contact Details
1800 1600
Account Opening and Procedure
Recommended Credit Cards
Pros:-
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Cons:-
Welcome benefits: Users will get a gift voucher worth INR 500 on card activation by undertaking one transaction of any amount in the first 37 days of card issuance.
Reward System: 5% cashback on train ticket booking through HDFC SmartBuy. 5 reward points for every 100 spent on IRCTC ticketing website and Rail Connect App. Value of 1 reward point = INR 1. IRCTC cashback rate = 5%. 1 Reward point on all other spends. General cashback rate = 1%.
1% transaction charge waived on ticket booking on railways website and app.
Milestone Benefits: INR 500 worth gift voucher on spending INR 30,000 in any quarter.
8 free access to select IRCTC Executive Lounges each year (2ach e quarter).
Low general cashback rate.
No free movie tickets.
Limited value add features.
No free airport lounge visits.
A below par credit card, its only attraction is that you will get 5% cashback on booking rail tickets. Limited value add features and a very low general cashback rate.
A below par credit card, its only attraction is that you will get 5% cashback on booking rail tickets. Limited value add features and a very low general cashback rate.
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
Product Review
Fees & Charges
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Fuel Surcharge
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Billing Cycle
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