IRCTC HDFC Bank Credit Card - Eligibility, Features, Charges, Offers

IRCTC HDFC Bank Credit Card

HDFC Bank offers a variety of credit cards to meet the needs of different people. Following this, the IRCTC HDFC Bank Credit Card was introduced by the bank. It is a brand-new credit card designed to assist frequent travelers. Furthermore, it is one of the best HDFC credit cards for those who often travel by train. You will receive rewards, a 50-day interest-free credit period, a fuel surcharge, a welcome benefit, smart EMI, IRCTC executive lounge benefits, and many other benefits. Furthermore, the IRCTC HDFC Bank Credit Card can be linked to UPI. As a result, you can easily make payments from anywhere at any time with a single click. Dive deeper into this article to understand more about IRCTC HDFC Bank Credit Card.

IRCTC HDFC Credit Card: Benefits and Features

HDFC Bank in collaboration with IRCTC launched the IRCTC HDFC Bank Credit Card. It is one of the best co-branded credit cards. As we all know that HDFC Bank prioritizes the needs of different individuals. Furthermore, there was a need for a credit card to assist frequent train travelers. As a result, the bank has introduced the HDFC Credit Card, which may be beneficial to them. It comes with a slew of advantages from various categories.

Check the below pointers to know about the benefits of the IRCTC HDFC Bank Credit Card:

  • You will receive 5 reward points for every INR 100 spent on the IRCTC ticket website and rail connect app.
  • 1 reward point is awarded for every INR 100 spent on all other purchases.
  • Complimentary 8 lounge access at selected IRCTC lounges every year. However, 2 lounges you will get per quarter.
  • You will get 50 days of interest-free credit period from the date of purchase IRCTC HDFC Bank Credit Card.
  • Get a 1 % fuel surcharge waiver across all the petrol pumps in India. However, it is applicable on a minimum transaction of INR 400 and a maximum of INR 5000. Further, the maxim surcharge waiver you can get is INR 250 per statement cycle.

Welcome Benefits

As a welcome bonus you will get a gift voucher for INR 500. Moreover, it is provided within 37 days of credit card issuance.

Steps to get IRCTC Credit Card Welcome Voucher

In order to get the welcome voucher you need to follow the steps:

  • Make 1 transaction of any amount within 37 days of receiving your credit card.
  • You will receive the activated welcome voucher within 90 working days.
  • Bank will send you the voucher code via SMS or email.
  • Click on the link provided by the bank.
  • The redeemed amount will be credited to the cardholder’s Ewallet balance after the voucher code has been verified.
  • You can also use your wallet balance to purchase the ticket.

IRCTC HDFC Bank Credit Card: Fees and Charges

With a low joining fee, this credit card stands out as one of the best, and spending INR 1,50,000 in the previous year waives the renewal fee.

Following is the fee structure for the IRCTC HDFC Bank Credit Card:

Joining FeesINR 500
Renewal FeeINR 500

However, the renewal charges are waived for spending INR 1,50,000 in a year.

Eligibility Criteria

The credit card eligibility requirements needed to get the credit card are as follows:

  • Currently only Indian citizens are eligible to apply for the card.
  • Salaried individuals should be between the ages of 21 and 60. Their monthly income, however, should be INR 25,000.
  • The age bar for self-employed individuals is 21 to 65 years. Whereas, they should be earning around INR 6 lakhs per year.

List of Railway Stations that Offer Free Railway Lounge Access

IRCTC HDFC Bank Credit Card is one of the best credit cards for free railway lounge access. It includes a list of railways that have partnered with the bank to better serve their customers. Furthermore, you can take advantage of amenities such as wifi, meals, lodging, charging ports, and much more.

Following is the complete list of railway stations where you can avail of free lounge access:

LoungeStateCityOPS StatusAddress
Executive Lounge New Delhi AGDelhiDelhiOperationalPlatform No.16, New Delhi Railway
station, Ajmeri Gate, New Delhi, Delhi
Executive Lounge New Delhi PGDelhiDelhiOperationalPlatform No.1, First Floor, Paharganj
Side, New Delhi Railway Station, New
Delhi, Delhi 110055
Executive Lounge JaipurRajasthanJaipurOperationalJaipur railway station, Platform No.1,
Shyam Nagar, Chomu, Rajasthan
Executive Lounge AgraUPAgraOperationalAgra Railway Station, Platform No. 1,
Agra Cantt, Agra, Uttar Pradesh
Executive Lounge AhmedabadGujaratAhmedabadOperationalEXECUTIVE LOUNGE, IRCTC Platform
no-1, Kalupur Railway Station,
Ahmedabad - 380002
Executive Lounge SealdahWBKolkata (Sealdah)OperationalEXECUTIVE LOUNGE, IRCTC Platform
no-8, 1st floor, Sealdah Railway
Station, Sealdah - 700014
Executive Lounge MaduraiTNMaduraiOperationalIRCTC Executive Lounge, Platform No
1, Madurai railway junction, Railway
Junction Road, Madurai Main,
Madurai, Tamil Nadu 625001
Executive Lounge VaranasiUPVaranasiOperationalIRCTC Executive Lounge, Platform No.
1, Cantt Railway Station, Varanasi -
221002, Uttar Pradesh, India
Premium LoungeWBAsansolOperationalPremium Lounge, 1st Floor, Platform
No 2, Asansol Railway Station, Railpar
Station Road, Dist - Bardhaman,
Drysdale Rd, Railpar, Asansol, West
Bengal 713301
Beverage LoungeWBAsansolOperationalBeverage Lounge, Near RMS Office,
Platform No 5, Asansol Railway Station,
Railpar Station Road, Dist - Bardhaman,
Drysdale Rd, Railpar, Asansol, West
Bengal 713301
Premium LoungeWBDurgapurOperationalPremium Lounge, Main Entrance, Near
Enquiry Office, Durgapur Railway
Station, BC, Doctor Bidhan Chandra
Roy Avenue, Durgapur, West Bengal

Reward Points Redemption: Terms and Conditions

The IRCTC HDFC Bank Credit Card is one of the best HDFC Credit Cards. As a credit card designed specifically for travelers, it provides a variety of benefits. However, in order to redeem the reward points, you must adhere to certain terms and conditions.

Keep the following points in mind when redeeming rewards:

  • Your monthly statement will highlight the availability of HDFC Bank Reward Points.
  • You can redeem these reward points directly for train tickets.
  • Another IRCTC member cannot use the HDFC Bank reward points.
  • The validity of the reward points extends for two years.

What are the advantages of spending through HDFC Bank SmartBuy?

HDFC Bank has developed SmartBuy, an e-commerce platform offering a diverse product range to customers. Paying with SmartBuy earns HDFC Card holders an additional 5% cashback in reward points. This platform stands as a crucial tool for HDFC Card holders, delivering various benefits and privileges. Opting for the app over credit card payments allows users to save even more money.


The IRCTC Credit Card meets diverse needs and stands out as an excellent choice for booking train tickets. If you frequently travel by train, this credit card translates into significant savings. It caters comprehensively to a railway traveler’s experience, ensuring an enjoyable journey. In case of loss or damage to the credit card, it’s imperative to promptly notify the bank by calling customer service. Additionally, you can actively apply for the HDFC Bank Credit Card both online and in person.

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