HDFC Bank RuPay IRCTC Credit Card

Movie & Dining

NA

Rewards Rate

5X Reward Points/₹100 for IRCTC Bookings and 1 Reward Point/₹100 for Other Valid Spends. An Additional 5% Cashback Can Be Earned for Rail Bookings Via SmartBuy

Reward Redemption

The earned Cash Points can be redeemed against travel bookings via IRCTC and several other options. 1 Cash Point = up to Re. 1.

Travel

Get 8 complimentary access to IRCTC Executive Lounges.

Domestic Lounge Access

NA

International Lounge Access

NA

Golf

NA

Insurance Benefits

NA

Amazon Welcome Voucher

This credit card feature offers a welcome benefit in the form of an Amazon voucher worth Rs. 500. Upon successful approval of your credit card, a voucher code will be sent to your registered email address. You can redeem this voucher on your next purchase on Amazon, giving you an instant discount of Rs. 500. It's our way of welcoming you onboard and giving you a rewarding start to your credit card journey.

Cash Points on Retail Spends

On every Rs. 100 spent on retail purchases using this credit card, you earn 1 Cash Point. These points can effectively be used to pay off your credit card bill, purchase gift cards or merchandise, or converted into air miles. It's a great way to maximize your spending and get more value out of your purchases. Just remember, the more you spend, the more Cash Points you earn.

5x Cash Points on IRCTC

This credit card feature offers you 5 times the regular Cash Points on all your IRCTC spends. This means for every Rs. 100 spent on IRCTC, you earn 5 Cash Points. This feature is especially beneficial for frequent travelers as it allows them to earn rewards faster. These points can be redeemed for various rewards such as statement credits, gift cards, or flight tickets.

Complimentary Railway Lounge Access

This credit card feature offers complimentary railway lounge access each year. It makes your railway journeys more comfortable and luxurious by offering access to high-quality food and beverages, free Wi-Fi, comfortable seating, and much more. It's an exclusive benefit that enhances your travel experience and provides you with comfort while you wait for your train.

Spend-Based Renewal Fee Waiver

This credit card feature offers a spend-based waiver on the renewal fee. If you spend a certain predetermined amount in a year using this credit card, the annual renewal fee for the next year will be waived off. It's an excellent feature for heavy spenders as it reduces the cost of owning a credit card and provides additional value to your spends.

Fuel Surcharge Waiver

This credit card feature offers a 1% fuel surcharge waiver. Whenever you use this credit card to pay for fuel, the additional charge that is usually applied to card payments at fuel stations is waived off. This can result in significant savings over time, especially for those who spend a lot on fuel. It's a practical and valuable benefit that makes your journeys less expensive.

Highly beneficial card for frequent travels with complimentary access to Executive Lounges of IRTC (8 in a calendar year).

5 reward points on each ₹100 spent on the IRCTC website and app and an additional 5% cashback on train ticket purchases through HDFC SmartBuy.

There is a minimum 100-point limit for redemption of rewards.

The reward points can only be used to purchase train tickets on the HDFC SmartBuy platform.