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IRCTC HDFC Bank Credit Card

67.5

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

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Dining Benefits

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Other Benefits

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Lounge Access

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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.

दोष

  • 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).

पक्ष विपक्ष
Welcome Benefits

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पुरस्कार प्रणाली

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अंतर्राष्ट्रीय विदेशी मुद्रा मार्कअप

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स्वागत लाभ और पुरस्कार प्रणाली
विशेष लक्षण

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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.

विशेष विशेषता, पात्रता और लाभ
क्रेडिट कार्ड के लिए आवेदन कैसे करें?

  1. Eligibility: Check if you meet the eligibility criteria, which typically include a minimum income and age requirement (details on HDFC website).

  2. Apply online: Visit the HDFC Bank website or app and fill out the online application form.

  3. Documents: Submit the required documents like PAN card, address proof, and income proof.

  4. Verification: HDFC will verify your documents and creditworthiness.

  5. Approval: Upon approval, you will receive your credit card within 7-10 working days.

सम्पर्क करने का विवरण

1800 1600

खाता खोलने की प्रक्रिया और प्रक्रिया

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विशेष विशेषता, पात्रता और लाभ

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

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

उत्पाद समीक्षा
फीस एवं प्रभार

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ईंधन अधिशुक्ल

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Billing Cycle

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