{"id":82852,"date":"2025-12-10T22:14:43","date_gmt":"2025-12-10T16:44:43","guid":{"rendered":"https:\/\/piceapp.com\/blogs\/?p=82852"},"modified":"2025-12-10T22:14:47","modified_gmt":"2025-12-10T16:44:47","slug":"hdfc-irctc-credit-card","status":"publish","type":"post","link":"https:\/\/piceapp.com\/blogs\/hdfc-irctc-credit-card\/","title":{"rendered":"HDFC IRCTC Credit Card\u2014For Frequent Train Travellers"},"content":{"rendered":"\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p><strong>Key Takeaways<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Grants you a welcome benefit of \u20b9500 on your first transaction within 37 days of card issuance.<\/li>\n\n\n\n<li>Get up to 5% cashback on train ticket purchases.<\/li>\n\n\n\n<li>The joining and renewal membership fee is \u20b9500 (excluding taxes).<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>The <strong>HDFC IRCTC Credit Card<\/strong> is a co-branded card designed specifically for frequent railway travellers who book through IRCTC. This credit card offers up to 5% cashback on booking of train tickets. Read on to know more about what all this credit card entails.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Key Privileges of the HDFC IRCTC Credit Card<\/strong><\/h2>\n\n\n\n<div class=\"wp-block-media-text is-stacked-on-mobile\"><figure class=\"wp-block-media-text__media\"><img loading=\"lazy\" decoding=\"async\" width=\"267\" height=\"167\" src=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/HDFC-IRCTC-Credit-Card.webp\" alt=\"HDFC IRCTC Credit Card\" class=\"wp-image-82889 size-full\" title=\"\" srcset=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/HDFC-IRCTC-Credit-Card.webp 267w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/HDFC-IRCTC-Credit-Card-150x94.webp 150w\" sizes=\"auto, (max-width: 267px) 100vw, 267px\" \/><\/figure><div class=\"wp-block-media-text__content\">\n<ul class=\"wp-block-list\">\n<li>Get a welcome benefit of \u20b9500 on the first transaction within 37 days of credit card issuance.<\/li>\n\n\n\n<li>Get 5 reward points on every \u20b9100 spent on the IRCTC Rail Connect or Ticketing website.<\/li>\n\n\n\n<li>Avail an additional 5% cashback on booking of train tickets through HDFC Bank SmartBuy.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li>1% transaction charge reversal on transactions done via the IRCTC Rail Connect and Ticketing website.<\/li>\n\n\n\n<li>Get exclusive 8 complimentary access to select IRCTC lounges every year (up to a maximum of 2 every quarter).<\/li>\n<\/ul>\n\n\n\n<p><strong>Note<\/strong>: The value of 1 reward point is \u20b91 for train ticket bookings.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Other HDFC IRCTC Credit Card Benefits<\/strong><\/h2>\n\n\n\n<p>Apart from reward points and value back on IRCTC booking, the<strong> HDFC IRCTC Credit Card<\/strong> also provides these other benefits:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Get 1 reward point for every \u20b9100 spent on all other merchant spends.&nbsp;<\/li>\n\n\n\n<li>Get a gift voucher worth \u20b9500 on quarterly spends of \u20b930,000.<\/li>\n\n\n\n<li>Avail a 1% fuel surcharge waiver on your fuel transactions of a minimum of \u20b9400 and a maximum transaction of \u20b95,000. You can get a maximum cashback of only \u20b9250 for every statement cycle.&nbsp;<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Applicable Fees and Charges of HDFC IRCTC Credit Card<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Type of Fees and Charges&nbsp;<\/strong><\/td><td><strong>Amount (excluding GST)<\/strong><\/td><\/tr><tr><td>Joining and Renewal Membership Fee<\/td><td>\u20b9500 + applicable taxes<\/td><\/tr><tr><td>Finance Charges&nbsp;<\/td><td>3.75% (monthly) and 45.0% (annually)&nbsp;<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Eligibility Criteria of the HDFC IRCTC Credit Card<\/strong><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Salaried individuals of Indian nationality, between the age range of 21 to 60 years and with a monthly income of \u20b925,000 can apply for the <strong>HDFC IRCTC credit card<\/strong>.<\/li>\n\n\n\n<li>The <strong>HDFC IRCTC credit card<\/strong> is also available for self-employed individuals of Indian origin and between the ages of 21 and 65 years. These individuals also need to have a minimum ITR of more than \u20b96 lakh.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Process to Apply for the HDFC IRCTC Credit Card<\/strong><\/h2>\n\n\n\n<p>Follow these steps to successfully <strong>apply for a HDFC IRCTC credit card:<\/strong>&nbsp;<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Head over to the official site of HDFC Bank. Next, you will have to click on Discover Products &gt; Cards &gt; Credit Cards.<\/li>\n\n\n\n<li>Scroll down to the section labelled as &#8216;Types of Credit Cards\u2019. Here, you will have to select the &#8216;Travel and Fuel&#8217; category.<\/li>\n\n\n\n<li>You will be able to see the IRCTC HDFC Bank credit card under it. Just click on the &#8216;Apply Online&#8217; button under it.<\/li>\n\n\n\n<li>Then enter your details such as PAN, mobile number and date of birth. You will get an OTP sent to your mobile device after that.<\/li>\n\n\n\n<li>In the next window, you have to enter your personal details like name, gender, mailing address and employment details.<\/li>\n\n\n\n<li>Now select the <strong>HDFC IRCTC credit card<\/strong> option again.<\/li>\n\n\n\n<li>Post-successful verification, your card will be activated and the physical version of the card will be sent to your mailing address.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Steps to Link Your HDFC IRCTC Credit Card Loyalty Number with IRCTC Login<\/strong><\/h2>\n\n\n\n<p>After activation of your HDFC IRCTC Bank credit card, you will be able to link your 11-digit loyalty number with the card. You need to use the same mobile number, email ID and date of birth which you provided during your application for this credit card.&nbsp;<\/p>\n\n\n\n<p>Then you need to follow these steps:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Visit the IRCTC Rail Connect app or website. If you do not have a prior IRCTC login ID, register yourself by signing up.<\/li>\n\n\n\n<li>Now select the option labelled as &#8216;Add Loyalty Account&#8217; provided under the &#8216;Loyalty Account&#8217; tab.<\/li>\n\n\n\n<li>Then enter the 11-digit Loyalty Number, which is printed on the back of the IRCTC HDFC Bank credit card. After that, click on send OTP.<\/li>\n\n\n\n<li>Enter the OTP which you received on your registered mobile number and select &#8216;Confirm&#8217;.<\/li>\n\n\n\n<li>After having entered the OTP, you will get a confirmation message upon successful linking of your Loyalty account.<\/li>\n\n\n\n<li>Now, you will easily be able to check the details of your Loyalty account under the &#8216;Loyalty Account tab&#8217;.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>HDFC IRCTC Credit Card: Who is it Ideal For?<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>This credit card is ideal for you if you want a low annual fee credit card.<\/li>\n\n\n\n<li>You will be able to get the most benefits out of the<strong> HDFC IRCTC credit card<\/strong> if you are someone who frequently travels via train and prefers to make bookings through the IRCTC.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p><em>Pay your credit card bills easily with the Pice app. Download it today!<\/em><\/p>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p><strong>Footnote<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The validity of the reward points of the <strong>HDFC IRCTC credit card<\/strong> is 2 years.<\/li>\n\n\n\n<li>Renewal fee is waivable if the customer spends \u20b91,50,000 or more in an anniversary year (prior to card renewal date).<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>FAQs<\/strong><\/h3>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1765346594575\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">What types of facilities will I get in the IRCTC Executive Lounge?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Complimentary access to the IRCTC Executive Lounge allows you to enjoy 2 hours of lounge stay, access to changing rooms or washrooms, comfortable AC sitting arrangements, unlimited coffee and tea, charging points, free Wi-Fi, magazines and newspapers and 1 buffet meal (either breakfast, lunch or dinner).<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1765346623670\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Can I transfer my reward points to my HDFC IRCTC credit card?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>The reward points are not transferable and cannot be combined with accrued points on any other HDFC card account.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1765346632705\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Can I withdraw cash through the HDFC IRCTC credit card?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>You can withdraw cash with this credit card at any ATM. However, remember that<strong> HDFC IRCTC credit card <\/strong>charges a cash advance fee of 2.5% on the transaction amount or a minimum of \u20b9500 (whichever is more).<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Key Takeaways: The HDFC IRCTC Credit Card is a co-branded card designed specifically for frequent railway travellers who book through IRCTC. This credit card offers up to 5% cashback on booking of train tickets. Read on to know more about what all this credit card entails. Key Privileges of the HDFC IRCTC Credit Card Note: [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":82891,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-82852","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-card"],"_links":{"self":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/82852","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/comments?post=82852"}],"version-history":[{"count":3,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/82852\/revisions"}],"predecessor-version":[{"id":82890,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/82852\/revisions\/82890"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media\/82891"}],"wp:attachment":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media?parent=82852"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/categories?post=82852"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/tags?post=82852"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}