IRCTC HDFC Bank Credit Card Reviews & Features

IRCTC HDFC Bank Credit Card Reviews, Features & reward point including complimentary lounge access – HDFC Bank has introduced a new travel based credit card in association with IRCTC for the Indian users. This credit card is very useful for such users who are having much expenses through rail ticket booking or travelling a lot. A good reward point on rail ticket booking through IRCTC along with waiver of 1% transaction fees on IRCTC website and mobile app including HDFC SmartBuy. Maximum waiver of INR 1,000 per statement cycle.

The IRCTC HDFC Bank Credit Card is enabled for linking to UPI with any of the UPI apps for the merchant payments like Google Pay, PhonePe, Amazon Pay etc. It means you can make payment for your purchase using this credit card instead of Debit Card. Also Read – List of 8 Best Credit Cards For EMI in India, 2023

Welcome Benefits 

HDFC will provide you Welcome Gift voucher worth INR 500 on card activation within first 30 days of card issuance.

Reward Rates

1. Gift voucher worth INR 500 on quarterly spends of INR 30,000. 
2. 5 Reward Point for every INR 100 spent on IRCTC ticketing website and Rail Connect App .
3. 1 Reward Point for every INR 100 spent on all other spends 
4. Additional 5% cashback on train ticket bookings via HDFC Bank SmartBuy.

Railways Lounge Access

8 complimentary access to select IRCTC Executive Lounges every year (2 per quarter). 

Transaction Fees Waiver on IRCTC

1% Transaction charges waiver on transactions done on IRCTC ticketing website and Rail Connect App. Maximum waiver of INR 1,000 per statement cycle.

Fuel Surcharge Waiver

1% fuel surcharge waiver at all fuel stations across India (on minimum transaction of INR 400 & maximum transaction of INR 5,000. Maximum waiver of INR 250 per statement cycle)

Joining & Renewal Fees

Rs 499 – The renewal fee is waived on spending Rs. 1.5 lakhs or more in the previous year.

Loan on Credit Card

3.6% per month Interest on EMI Conversion, which is very much higher side. Cash advance fees of 2.5% of the cash amount or Rs. 500 (whichever is higher)

Bottomline

Personally believe that you lust have one credit card exclusively for travel purposes. I am using SBI IRCTC Credit Card for long and finding it easy. This card is also good enough with lower annual and renewal fees.