The IRCTC HDFC Bank Credit Card is a co-branded travel and rewards credit card launched in partnership between HDFC Bank and the Indian Railway Catering and Tourism Corporation (IRCTC). The card is specially designed for individuals who frequently travel by train and want to earn rewards, save on ticket booking charges, and enjoy railway travel privileges. With accelerated Reward Points on IRCTC bookings, complimentary executive lounge access, SmartBuy cashback benefits, milestone vouchers, and fuel surcharge waiver, the card offers excellent value for both travel and everyday spending. Its affordable annual fee and railway-focused rewards make it a suitable option for regular train travelers across India.
Overview of HDFC IRCTC Credit Card
The IRCTC HDFC Bank Credit Card combines travel rewards, railway privileges, and lifestyle benefits in a single card. Below is a detailed overview of the card’s major features and highlights.
| Feature | Details |
| Card Name | IRCTC HDFC Bank Credit Card |
| Card Category | Travel and Rewards Credit Card |
| Card Network | RuPay |
| Best Suited For | Frequent railway travelers |
| Reward Rate | 5 Reward Points for every ₹100 spent on IRCTC platforms |
| Welcome Benefit | ₹500 gift voucher after activation |
| Lounge Access | 8 complimentary IRCTC executive lounge visits annually |
| SmartBuy Benefit | Additional 5% cashback on train bookings |
| Fuel Benefit | 1% fuel surcharge waiver |
| Milestone Benefit | ₹500 voucher on quarterly spends of ₹30,000 |
| Reward Redemption Value | 1 Reward Point = ₹1 for train ticket redemption |
| Annual Fee Waiver | On annual spends of ₹1,50,000 |
| Interest-Free Period | Up to 50 days |
The card is particularly beneficial for customers who regularly book train tickets through the IRCTC website or Rail Connect App.
Eligibility Criteria for HDFC IRCTC Credit Card
Applicants must fulfill HDFC Bank’s eligibility conditions related to age, income, nationality, and financial profile to apply for the card.
For Salaried Individuals
- Applicant must be an Indian national.
- Age should be between 21 and 60 years.
- Minimum monthly income should be ₹25,000.
- Stable employment history is preferred.
For Self-Employed Individuals
- Applicant must be an Indian national.
- Age should be between 21 and 65 years.
- Annual Income Tax Return (ITR) should exceed ₹6 lakh.
- Stable business profile and income are preferred.
Documents Required for HDFC IRCTC Credit Card
Applicants are required to submit valid identity, address, and income proof documents during the application process.
Identity Proof
Applicants can submit any one of the following:
- PAN Card
- Aadhaar Card
- Passport
- Voter ID
- Driving Licence
Address Proof
Accepted address proof documents include:
- Aadhaar Card
- Utility bills
- Passport
- Rental agreement
- Voter ID
- Bank statements
Income Proof For Salaried Individuals
- Latest salary slips
- Form 16
- Salary account bank statements
Income Proof For Self-Employed Individuals
- Income Tax Returns (ITR)
- Business proof documents
- Audited financial statements
- Business bank account statements
Additional Documents
- Passport-size photographs
- Existing credit card statement, if applicable
- Additional documents requested by HDFC Bank
Applicants may also need to complete Video KYC during the application process.
Also Read: Marriott Bonvoy Credit Card
Fees and Charges for IRCTC HDFC Bank Credit Card
Understanding the fee structure is important to effectively manage the credit card and maximize benefits. Below are the major fees and charges applicable to the IRCTC HDFC Bank Credit Card.
| Fee Type | Description |
| Joining Fee | ₹500 + applicable taxes |
| Renewal Fee | ₹500 + applicable taxes |
| Annual Fee Waiver | Waived on annual spending of ₹1,50,000 |
| Cash Advance Fee | 2.5% of the withdrawn amount or a minimum of ₹500 |
| Interest-Free Credit Period | Up to 50 days |
| Fuel Surcharge Waiver | 1% waiver at fuel stations |
| Reward Redemption Value | 1 Reward Point = ₹1 for train bookings |
| Minimum Redemption Requirement | 100 Reward Points |
| Interest Charges | Applicable as per HDFC Bank policy |
| Late Payment Charges | Applicable as per the bank schedule |
| EMI Conversion Facility | Available on eligible transactions |
The bank may revise fees and charges periodically according to policy updates.
Steps to Apply for the IRCTC HDFC Bank Credit Card
Eligible customers can apply for the IRCTC HDFC Bank Credit Card online or through offline channels.
Online Application Process
- Visit the official HDFC Bank credit card website.
- Navigate to the IRCTC HDFC Bank Credit Card page.
- Enter your mobile number and Date of Birth or PAN.
- Verify your identity using the OTP received on your mobile number.
- Review and confirm your personal and professional details.
- Select the IRCTC HDFC Bank Credit Card from the available offers.
- Upload required documents if requested.
- Complete Video KYC, if applicable.
- Submit the application for verification and approval.
Offline Application Process
Customers may also apply offline by:
- Visiting the nearest HDFC Bank branch.
- Requesting the credit card application form.
- Filling in the required details.
- Submitting KYC and income documents.
- Completing verification formalities with bank representatives.
After successful verification and approval, the card is dispatched to the registered communication address.
Track HDFC Bank IRCTC Credit Card Application Status
Applicants can track their credit card application online through HDFC Bank’s application tracking facility.
Steps to Track Application Status
- Visit the official HDFC Bank website.
- Navigate to the “Track Your Credit Card” option under Credit Card Services.
- Enter the application reference number or registered mobile number.
- Complete OTP verification if required.
- Submit the details.
- View the real-time status of your application.
Also Read: HDFC Diners Club Miles Credit Card
Features and Benefits of IRCTC HDFC Bank Credit Card
The IRCTC HDFC Bank Credit Card offers multiple travel, railway, rewards, and lifestyle-related benefits.
Reward Points on IRCTC Bookings
- Earn 5 Reward Points for every ₹100 spent on:
- IRCTC ticket booking website
- IRCTC Rail Connect App
- Reward Points can be used for future train ticket bookings.
Additional SmartBuy Cashback
- Get an additional 5% cashback on train ticket bookings made through HDFC Bank SmartBuy.
- Helps customers maximize savings on railway travel.
Complimentary IRCTC Executive Lounge Access
- Enjoy 8 complimentary IRCTC executive lounge visits annually.
- Lounge facilities improve travel comfort at railway stations.
IRCTC Transaction Charge Waiver
Get a 1% transaction charge waiver on train ticket bookings through the IRCTC website and mobile app.
Milestone Benefits
- Spend ₹30,000 or more in a calendar quarter.
- Receive a ₹500 gift voucher as a milestone reward.
Welcome Benefits
Receive a ₹500 gift voucher upon successful card activation.
Contactless Payment Technology
Make quick and secure contactless payments up to ₹5,000 without entering a PIN.
Fuel Surcharge Waiver
Get a 1% fuel surcharge waiver at fuel stations across India.
Zero Liability Protection
Benefit from Zero Cost Card Liability on fraudulent transactions if reported immediately to the bank’s 24-hour call centre.
Flexible Reward Redemption
Reward Points can be redeemed for:
- Train ticket bookings
- Travel-related expenses through SmartBuy
Reward Redemption Value
1 Reward Point = ₹1 for train ticket bookings.
Reward Points Validity
Reward Points remain valid for 2 years from the date of earning.
EMI Conversion Facility
Eligible purchases can be converted into easy monthly installments.
These benefits make the card highly useful for railway passengers, frequent travelers, daily commuters, and customers seeking travel savings.
Also Read: HDFC Diners Club Credit Cards
IRCTC HDFC Bank Credit Card Customer Care Number
HDFC Bank provides dedicated, 24/7 customer support channels to ensure that credit cardholders can report lost cards immediately, resolve queries, or access banking services at any time.
| Service Category | Customer Care Details |
| General Helpline (Across India) | 1800 1600 / 1800 2600 |
| International Helpline (Customers Abroad) | +91 22 61606160 |
| Dedicated Premium Support (Infinia, Diners Black, Imperia) | +91 22 61717606 |
| Service Helpline (Queries & Assistance) | 1800 258 5616 |
| Toll-Free Complaint Number (India Only) | 1800 258 3838 |
| Sales Enquiry | 1800 570 3888 |
| Credit Card Support Timings | 24 hours every day, including Sundays and Bank Holidays |
| General Banking Agent Support | 8:00 AM to 8:00 PM on all days |
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