HDFC Bank RuPay IRCTC Credit Card

HDFC Bank has joined forces with IRCTC to introduce the HDFC IRCTC RuPay Credit Card, offering competition to existing IRCTC co-branded cards, including SBI Card. This card has a Rs. 499 joining and annual fee, which can be waived with a specified yearly spending. It offers attractive rewards in the form of Cash Points, allowing you to earn up to 5 Cash Points for every Rs. 100 spent, making it a rewarding choice.

Key Highlights of HDFC Bank RuPay IRCTC Credit Card

Key Highlights of HDFC Bank RuPay IRCTC Credit Card:

  1. Travel Rewards: Earn rewards on train ticket bookings, dining, and more.
  2. Exclusive Discounts: Enjoy discounts on railway tickets booked on the IRCTC website.
  3. Fuel Surcharge Waiver: Get a waiver on fuel surcharges at select petrol pumps.
  4. IRCTC Benefit: Special benefits for IRCTC loyalty members.
  5. Contactless Payments: Convenient and secure contactless transactions.
  6. Zero Liability: Protection against unauthorized transactions.
  7. Dining Discounts: Enjoy dining discounts at partner restaurants.
  8. Annual Fee Waiver: Spend a specific amount to get the annual fee waived.
  9. Reward Redemption: Redeem points for travel and other categories.
  10. Travel Insurance: Complimentary insurance coverage for cardholders.

Features and Benefits of HDFC Bank RuPay IRCTC Credit Card

Here are the features and benefits of the HDFC Bank RuPay IRCTC Credit Card:

1. Welcome Benefits:

  • Receive a welcome gift voucher worth Rs. 500 upon activating the card within 30 days of issuance.

2. Reward Points:

  • Earn five reward points for every Rs. 100 spent on the IRCTC website and Rail Connect app.
  • Get one reward point for every Rs. 100 spent on all other categories.
  • One HDFC Bank reward point is equivalent to Re. 1.

3. Lounge Access:

  • Enjoy eight complimentary visits to select IRCTC Executive Lounges annually, with two visits allowed per calendar year.

4. Cashback Benefits:

  • Earn an additional 5% cashback on booking IRCTC train tickets through HDFC Bank SmartBuy.

5. Milestone Benefits:

  • Receive a Rs. 500 gift voucher upon reaching a retail spending limit of Rs. 30,000 every quarter or every 90 days.

6. Other Benefits:

  • IRCTC Transaction Charge Waiver: 1% IRCTC transaction charge waived on both the website and app.
  • Fuel Surcharge Waiver: 1% fuel surcharge waived on transactions ranging from Rs. 400 to Rs. 5,000.

HDFC Bank RuPay IRCTC Credit Card Fees and Charges

Here are the fees and charges associated with the HDFC Bank RuPay IRCTC Credit Card:

  1. Initial Membership Fee: Rs. 500 + Taxes
  2. Spend Rs. 1,50,000 or more within a year prior to your Credit Card renewal date to have the renewal fee waived.

HDFC IRCTC Credit Card Eligibility

Eligibility for the HDFC IRCTC Credit Card is as follows:

For Salaried Individuals:

  • Must be an Indian citizen.
  • Age: Minimum 21 years and maximum 60 years.
  • Monthly gross income should exceed ₹25,000.

For Self-Employed Individuals:

  • Must be an Indian citizen.
  • Age: Minimum 21 years and maximum 65 years.
  • Annual Income Tax Return (ITR) should be more than ₹6.0 Lakhs per annum.

Documents Required for HDFC IRCTC Credit Card

To apply for the HDFC IRCTC Credit Card, you’ll need to provide scanned copies of the following documents:

  1. Identity Proof: Choose one from Voters ID Card, Aadhar card, Permanent Account Number (PAN) Card, Driving License, or Passport.
  2. Address Proof: Select from recent utility bills, rent agreement, Aadhar card, or passport.
  3. Income Proof: Submit bank statements, salary slips, or the latest Income Tax Returns (ITR) as evidence of your income.

How to apply for HDFC Bank RuPay IRCTC Credit Card

To apply for the HDFC Bank RuPay IRCTC Credit Card, you can follow these general steps:

  1. Visit HDFC Bank’s Official Website: Go to the official website of HDFC Bank.
  2. Explore Credit Cards: Navigate to the “Credit Cards” section on the HDFC Bank website.
  3. Select RuPay IRCTC Credit Card: Look for the HDFC Bank RuPay IRCTC Credit Card among the available options.
  4. Click “Apply Now”: Click on the “Apply Now” or “Apply Online” button associated with the RuPay IRCTC Credit Card.
  5. Fill out the Application Form: You will be directed to an online application form. Fill in your personal details, contact information, employment details, and any other required information.
  6. Submit Documents: Upload the necessary documents, such as identity proof, address proof, and income proof, as specified in the application form.
  7. Review and Confirm: Double-check all the information you provided for accuracy. Review the terms and conditions.
  8. Submit Application: Once you’re satisfied with the details, submit the application.
  9. Application Processing: HDFC Bank will review your application and documents. They may contact you for further verification or clarification.
  10. Receive Card: If your application is approved, you will receive the HDFC Bank RuPay IRCTC Credit Card at your provided mailing address.

Frequently Asked Questions (FAQs)

1. What is the HDFC Bank RuPay IRCTC Credit Card?

The HDFC Bank RuPay IRCTC Credit Card is a co-branded credit card offered by HDFC Bank in association with RuPay and Indian Railways Catering and Tourism Corporation (IRCTC). It is designed to provide exclusive benefits and rewards for railway-related transactions.

2. How can I apply for the HDFC Bank RuPay IRCTC Credit Card?

You can apply for the HDFC Bank RuPay IRCTC Credit Card through the HDFC Bank website, by visiting a branch, or contacting the customer service helpline. The application process typically involves submitting the necessary documents and meeting the eligibility criteria set by HDFC Bank.

3. What are the key features of the HDFC Bank RuPay IRCTC Credit Card?

The key features include:

  • Special discounts on train ticket bookings through the IRCTC website.
  • Reward points on railway and non-railway transactions.
  • Fuel surcharge waiver at fuel stations.
  • Complimentary railway lounge access.
  • Insurance coverage for the cardholder.

4. How does the reward points system work on this credit card?

Cardholders earn reward points for both railway and non-railway transactions. These points can be redeemed for various rewards, including merchandise, vouchers, and more. The redemption process may vary, and details can be found in the HDFC Bank rewards program documentation.

5. Is there an annual fee for the HDFC Bank RuPay IRCTC Credit Card?

The annual fee and other charges are subject to change. It’s advisable to check the latest fee structure on the HDFC Bank website or contact their customer service for the most up-to-date information.

6. Are there any special offers or discounts associated with the HDFC Bank RuPay IRCTC Credit Card?

Yes, the card offers exclusive discounts on train ticket bookings made through the IRCTC website. Additionally, there may be periodic promotions and offers on other categories, such as dining, shopping, and travel. Keep an eye on the HDFC Bank website for the latest promotions.

7. How can I check my HDFC Bank RuPay IRCTC Credit Card statement and outstanding balance?

You can check your credit card statement and outstanding balance through the HDFC Bank net banking portal or mobile app. Alternatively, you can receive monthly statements via email.

8. Is there a customer helpline for queries related to the HDFC Bank RuPay IRCTC Credit Card?

Yes, HDFC Bank provides a customer service helpline that you can contact for any queries related to your credit card, including the HDFC Bank RuPay IRCTC Credit Card. The helpline number is usually mentioned on the back of the credit card and on the official HDFC Bank website.

9. Can I convert my purchases into EMI using the HDFC Bank RuPay IRCTC Credit Card?

Yes, HDFC Bank often provides the option to convert certain purchases into Equated Monthly Installments (EMIs). The terms and conditions for this facility may vary, and you can get more details from the HDFC Bank customer service or website.

10. How can I track my reward points and their redemption status?

You can track your reward points and their redemption status through the HDFC Bank net banking portal or mobile app. The rewards section typically provides a detailed overview of your accumulated points and the available redemption options.