Here's why you need the IRCTC HDFC Bank Credit Card
18 May, 2023
Are you a frequent train traveller looking for a credit card that can help you save on your travel expenses? If yes, then the IRCTC HDFC Bank Credit Card might be just what you need.
The IRCTC HDFC Bank Credit Card is designed for travellers who want to save on travel expenses. The card offers a range of benefits and rewards, such as earning reward points that can be redeemed for discounts on train tickets. It provides a convenient way to make your train travel more affordable, allowing you to enjoy various benefits, including CashBack, fuel surcharge waivers, and more.
In this blog post, we will discuss the key features and benefits of the IRCTC HDFC Bank Credit Card.
Key Features and Benefits of IRCTC HDFC Bank Credit Card
Get rewards points on IRCTC bookings via the IRCTC ticketing website and Rail Connect app: The IRCTC HDFC Bank Credit Card offers 5 reward points for every ₹ 100 spent on the IRCTC ticketing website and Rail Connect app. You can earn significant reward points on your train spends and redeem them for discounts on your future travels.
Reward points on all other spends: In addition to train tickets, you can get 1 Reward Point for every ₹ 100 on all other spends made with your IRCTC HDFC Bank Credit Card. This means you can earn rewards points on all your purchases and redeem them for discounts on your train travels.
Additional CashBack on purchases through SmartBuy: One of the key benefits of the IRCTC HDFC Bank Credit Card is the ability to earn an additional 5% CashBack along with reward points on every ₹100 worth of purchases on IRCTC through SmartBuy.
Fuel surcharge waiver: The IRCTC HDFC Bank Credit Card Offers 1% fuel surcharge waiver of up to ₹250 per statement cycle when you use the credit card for fuel transactions.
Lounge access: IRCTC HDFC Bank Credit Card holders can enjoy up to 8 complimentary IRCTC Executive Lounge visits per year (two per quarter). This is a great way to relax and unwind while waiting for your train. To avail of this benefit, you must present your Credit Card and a valid railway ticket at the lounge reception. The lounge staff will validate the ticket and allow you to access the lounge.
Welcome benefits: Once your IRCTC HDFC Bank Credit Card application is approved, you are eligible for a gift voucher worth ₹500 on the first transaction within 37 days of card issuance.
Milestone benefits: You can avail of milestone benefits as a gift voucher worth ₹500 on quarterly spends of ₹30,000.
Redemption Options
As an IRCTC HDFC Bank Credit Card holder, you can earn HDFC Bank reward points on various Credit Card transactions.
These reward points can be redeemed for booking train tickets via the IRCTC ticketing website and Rail Connect app and HDFC Bank SmartBuy portal.
You can also use these reward points to purchase IRCTC vouchers via HDFC Bank Net Banking and HDFC Bank SmartBuy.
The value of one reward point is ₹1 for redemption against the train ticket booking and IRCTC voucher purchase on HDFC Bank SmartBuy and HDFC Bank NetBanking.
This is a great way to save money on train tickets, especially if you are a frequent traveller.
How to Apply for the IRCTC HDFC Bank Credit Card?
You can apply for the Credit Card online by visiting the HDFC Bank website or your nearest branch. The application process is simple and requires you to provide personal and financial information.
To be eligible for the IRCTC HDFC Bank Credit Card, you need to meet the following criteria:
Age: You should be at least 21 years and not more than 60 years.
Credit Score: You should have a good credit score. A credit score is a three-digit number that is calculated based on your credit history and is used by banks and other financial institutions to determine your creditworthiness.
Employment: You should be either salaried or self-employed. Salaried individuals must provide their latest salary slips and bank statements, while self-employed individuals must provide their latest income tax returns and business continuity proof.
Location: You should be a resident of India.
Existing HDFC Bank customers: Existing HDFC Bank customers can apply for the IRCTC HDFC Bank Credit Card directly through their net banking account or mobile banking app. They may also be eligible for pre-approved offers and faster processing times.
Non-HDFC Bank customers: Non-existing HDFC Bank customers can apply for the IRCTC HDFC Bank Credit Card through both online and offline modes.
To apply online, you can visit the official website of HDFC Bank or you can visit the official website of IRCTC. To apply offline, you may visit the nearest branch of the bank to fill out the application form.
The IRCTC HDFC Bank Credit Card is an excellent option if you're a frequent train traveller. Its benefits and rewards can save money and provide a seamless travel experience. Apply now to start enjoying the benefits of convenient and affordable train travel. Don't miss out on the rewards and discounts available!
