Introduction
The IRCTC HDFC Bank Credit Card is a co-branded travel card that offers many benefits for train travellers in India. Some of the features of this card are:
- You can earn 5 reward points for every INR 100 spent on IRCTC ticketing website and Rail Connect App, and 1 reward point for every INR 100 spent on all other purchases.
- You can redeem your reward points for train tickets at the rate of 1 reward point = INR 1 on HDFC Bank SmartBuy2.
- You can get a welcome gift voucher worth INR 500 on card activation within first 37 days of card issuance.
- You can get a gift voucher worth INR 500 on quarterly spends of INR 30,000.
- You can get additional 5% cashback on train ticket bookings via HDFC Bank SmartBuy.
- You can get 8 complimentary access to select IRCTC Executive Lounges every year (2 per quarter).
- You can get 1% transaction charges waiver on transactions done on IRCTC ticketing website and Rail Connect App (maximum waiver of INR 1,000 per statement cycle).
- You can get 1% fuel surcharge waiver at all fuel stations across India (on minimum transaction of INR 400 & maximum transaction of INR 5,000. Maximum waiver of INR 250 per statement cycle).
The annual fee for this card is INR 499
APPLY FOR IRCTC HDFC BANK CREDIT CARD
- Get a Welcome voucher worth Rs 500 on card activation
- 5 Reward points for every Rs 100 spent on IRCTC ticketing website & Rail Connect App
- Additional 5% Cashback on train ticket bookings via HDFC Bank SmartBuy
- Credit Card to UPI – The HDFC IRCTC Credit Card can be linked to your UPI
OTHER AMAZING OFFERS
- 8 complimentary access to select IRCTC Executive Lounges every year (2 per quarter)
- 1% fuel surcharge waiver (Upto Rs 250) at all fuel stations across India (Transaction of Rs 400 – Rs 5,000)
- Upto 50 days of interest free period on your IRCTC HDFC Bank Credit Card from the date of purchase
ELIGIBILITY CRITERIA
- Age group: 21-60 years
- Employment status: Salaried or Self-Employed
- Minimum Income: Rs 25,000 per month (Salaried)
- Minimum Income: Rs 6,00,000 per annum (Self-Employed)
DOCUMENTS NEEDED
Address Proof – Aadhaar, Passport, Latest utility bills
ID proof – PAN, Voter ID, Passport
Income proof – Bank Statement, Salary Slips
FEES & LIST OF ALL CHARGES
Joining Fees: Rs 500 + GST
Annual Fees: Rs 500 + GST
What are the eligibility criteria for this card?
According to the web search results, the eligibility criteria for the IRCTC HDFC Bank Credit Card are as follows:
- You must be an Indian citizen.
- If you are a salaried individual, you must be between 21 and 60 years old and have a gross monthly income of at least INR 25,000.
- If you are a self-employed individual, you must be between 21 and 65 years old and have an annual income of at least INR 6 lakhs as per your ITR.
IRCTC HDFC Bank Credit Card Documents Required
The documents required for IRCTC HDFC Bank Credit Card are as follows1:
- Identity Proof: Voters ID Card, Aadhar card, Permanent Account Number (PAN) Card, Driving License, Passport.
- Address Proof: Recent utility bills, rent agreement, Aadhar card, passport.
- Income Proof: For salaried individuals, latest salary slip or Form 16. For self-employed individuals, latest ITR or audited financial statements.
You need to submit the scanned copies of these documents while applying for the card online. You can also visit the nearest HDFC Bank branch with the original and photocopies of these documents for verification.
How can I apply for IRCTC HDFC Bank Credit Card?
To apply for the IRCTC HDFC Bank Credit Card, you need to follow these steps:
- Visit the HDFC Bank website or the IRCTC website and click on the “Apply Now” button.
- Fill in your personal details, such as name, mobile number, email address, PAN, date of birth, etc.
- Choose the IRCTC HDFC Bank Credit Card from the list of available cards and click on “Submit”.
- You will receive an OTP on your registered mobile number. Enter the OTP and verify your identity.
- You will be redirected to a page where you can upload your KYC documents, such as Aadhaar card, passport, driving license, etc.
- Once your documents are verified, you will receive a confirmation message and a reference number for your application.
- You can track the status of your application using the reference number on the HDFC Bank website or by calling the customer care number 1800 266 4332.
How long does it take to get approved for IRCTC HDFC Bank Credit Card?
The approval time for the IRCTC HDFC Bank Credit Card may vary depending on your eligibility, documents, and verification process. According to some web search results, you can avail the welcome benefit by activating the card within 30 days of card issuance. This implies that the approval and delivery of the card may take less than 30 days. However, this is not a guarantee and you may have to wait longer depending on your individual case. You can track the status of your application online using the HDFC Bank website or by calling the customer care number 1800 266 4332.
Conclusion
The IRCTC HDFC Bank Credit Card is a travel card that offers many benefits for train travellers in India. It allows you to earn and redeem reward points for train tickets, get cashback and vouchers, access IRCTC lounges, and save on transaction and fuel charges. The card has an annual fee of INR 499 and requires you to meet the eligibility criteria set by HDFC Bank. You can apply for the card online by submitting your personal and income details and uploading your KYC documents. The approval and delivery of the card may take less than 30 days, depending on your case. The IRCTC HDFC Bank Credit Card is a great option for frequent rail users who want to enjoy convenience and savings on their travel expenses.
Frequently Asked Questions (FAQ)
- What is the IRCTC HDFC Bank Credit Card?
The IRCTC HDFC Bank Credit Card is a co-branded credit card that offers exclusive benefits and rewards to frequent train travelers. It is designed to enhance your railway journey experience by providing various privileges.
2. How can I apply for the IRCTC HDFC Bank Credit Card?
You can apply for the IRCTC HDFC Bank Credit Card by visiting the official HDFC Bank website or by visiting a HDFC Bank branch near you. The application process typically involves submitting your personal and financial details.
3. What are the key features of the IRCTC HDFC Bank Credit Card?
The card offers benefits such as cashback on train ticket bookings, reward points on retail spends, fuel surcharge waiver, and more. It also provides complimentary railway lounge access and insurance coverage.
4. How do I earn reward points with this credit card?
You can earn reward points by using your IRCTC HDFC Bank Credit Card for various transactions, including retail purchases, dining, and online shopping. The earned points can be redeemed for a variety of rewards.
5. Is there a joining fee or annual fee for this credit card?
The joining fee and annual fee may vary depending on the specific card variant. Some variants may offer fee waivers based on spending thresholds or promotional offers.
6. What is the cashback offer on train ticket bookings?
The cashback offer allows you to earn cashback when you book train tickets through the IRCTC website or app using your HDFC Bank Credit Card. The cashback percentage and terms may vary, so it’s advisable to check the latest offers.
7. Is there any travel insurance provided with this credit card?
Yes, the IRCTC HDFC Bank Credit Card often comes with complimentary travel insurance coverage, offering protection against travel-related risks such as lost baggage and trip cancellations. Be sure to review the insurance policy terms and conditions.
8. Can I use this credit card for international travel and transactions?
Yes, the IRCTC HDFC Bank Credit Card is generally accepted worldwide, making it suitable for both domestic and international transactions. However, it’s recommended to check for any foreign transaction fees or currency conversion charges.
9. How can I check my credit card statement and make payments?
You can access your credit card statement online through the HDFC Bank net banking portal or mobile app. Payments can be made through various channels, including online banking, mobile banking, NEFT/RTGS, or by visiting a HDFC Bank branch.
10. What should I do if my credit card is lost or stolen?
In case your credit card is lost or stolen, immediately contact HDFC Bank’s customer care helpline and report the loss. The bank will guide you through the process of blocking the card and issuing a replacement.
With over 15 years of experience in Banking, investment banking, personal finance, or financial planning, Dkush has a knack for breaking down complex financial concepts into actionable, easy-to-understand advice. A MBA finance and a lifelong learner, Dkush is committed to helping readers achieve financial independence through smart budgeting, investing, and wealth-building strategies, Follow Dailyfinancial.in for practical tips and a roadmap to financial success!
