IRCTC HDFC Bank Credit Card Review

Author And Publisher: Gyro 3.o
20.06.2025 03:46 PM - Comment(s)

IRCTC HDFC Bank Credit Card

IRCTC HDFC Bank Credit Card – ideal for train travel, railway ticket booking rewards, and travel benefits
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Financial Expert Advice

Choose Your First (or Next) Credit Card Wisely

Maintain Two Credit Cards: One For Routine Expenses And Auto-Debits, And Another Reserved For Emergencies. Avoid Pursuing Rewards; Prioritize Financial Stability And Discipline.

IRCTC HDFC Bank Credit Card Review : 
"​Making Train Journey Even More Rewarding"

Introduction

The IRCTC HDFC Bank Credit Card caters specifically to those who frequently travel by train in India. Its benefits, such as accelerated rewards on IRCTC bookings, voucher opportunities, and complimentary lounge access, make it a strong contender for regular Indian Railways users. Let's delve into a detailed review to assess its suitability for your needs.

Key Features and Benefits

 

Welcome Benefits

  • Receive a gift voucher worth ₹500 upon activating the card by performing a transaction within the first 37 days of issuance.

Reward Structure

  • Earn 5 reward points for every ₹100 spent on the IRCTC ticketing website and Rail Connect app.

  • Earn 1 reward point for every ₹100 spent on other retail purchases.

Cashback Benefits

  • Get an additional 5% cashback on train ticket bookings via HDFC Bank SmartBuy.

Lounge Access

  • Enjoy 8 complimentary IRCTC Executive Lounge visits annually, with a maximum of 2 visits per quarter.

Fuel Surcharge Waiver

  • Enjoy a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, with a maximum waiver of ₹250 per statement cycle.

Milestone Benefits

  • Get a gift voucher worth ₹500 on quarterly spends of ₹30,000 or more.

Annual Fee

  • ₹500 + GST, with the option to waive the renewal fee by spending ₹1.5 lakh annually.
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Fees And Charge Table

Card Essential

 Type:- 
Travel Card

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 Welcome Benefits:-  Amazon Voucher Worth ₹500
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Joining Fee:- ₹500 + GST 
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  Annual Fee:- ₹500 + GST
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 Reward Structure:- rewards on SPENDS
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Renewal Benefit:- you can save the renewal fee by spending ₹1.5 lakh annually.
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 Interest Rate:- 3.75% per month (i.e., 45% per annum)
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 Forex Mark-up:- 3.50% + TAXS
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 Cash Advance Charges:- 2.5% or ₹500 Whichever is higher
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 Over Limit Charges:- 2.5% of overlimit amount, minimum of ₹550 
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 Wallet Transactions  Charges:- 1% + GST
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Rental Transactions  Charges:- 1% + GST 
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 Utility Transactions  Charges:- 1% + GST
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 Education Fee Payment Charges:-1% + GST
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Railway Surcharge:- 1% + GST 
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 Fuel Surcharge:- 1% 

Rewards and Benefits Analysis

The IRCTC HDFC Bank Credit Card is ideal for frequent train travelers, offering substantial rewards and cashback on IRCTC bookings. The complimentary lounge access enhances its appeal by providing a comfortable waiting experience at railway stations.

Practical Considerations

While the card excels in travel-related benefits for IRCTC users, its rewards structure for non-travel categories is modest compared to other lifestyle cards. Additionally, the cashback and reward points are capped, which might limit high spenders from maximizing their rewards.

Redemption Options

Reward points can be redeemed for discounts on future train ticket bookings via HDFC Bank SmartBuy, providing seamless savings for frequent travelers.

Ideal User Profile

This card is best suited for

  • Frequent train travelers.

  • Those who regularly book tickets through IRCTC.

  • Individuals looking for an affordable credit card with focused travel benefits.

Final Thoughts

The IRCTC HDFC Bank Credit Card offers a compelling package for frequent train travelers with its focused rewards and travel perks. While it may not be ideal for everyone due to its limited premium benefits, its affordability and travel-focused benefits make it a solid choice for those who regularly use Indian Railways.

Additional Tips for Potential Applicants

  • Eligibility: salaried (21-60 years, ₹15,000+ gross monthly income) or self-employed (₹6 lakh+ annual ITR).

  • Usage: Maximize spends on IRCTC bookings to get the most out of the rewards.

  • Redemption: Use reward points for train ticket bookings to maximize savings.

CDMS EXPERT ADVICE

The IRCTC HDFC Bank Credit Card is an excellent option for frequent train travelers seeking focused rewards and lounge access. Ensure disciplined repayment to avoid high-interest costs while maximizing travel benefits. If credit card debt feels overwhelming, seek CDMS expert support for effective debt management.

This review provides a balanced view of the card's strengths and weaknesses, helping readers make informed decisions about whether the IRCTC HDFC Bank Credit Card aligns with their

travel habits and financial goals.

! Disclaimer - We strive for accuracy, but this content is for informational purposes only. For the latest product details and offers, please check the official site directly.
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Author And Publisher: Gyro 3.o

Author And Publisher: Gyro 3.o

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