HDFC IRCTC Credit Card – There's a train Ride in every swipe!
Pay via UPI (linked to this card) to any merchant - it's a Rupay card!
5% Cashback on Train Ticket Bookings
Rewards on all IRCTC Bookings
Offer Details

About HDFC IRCTC Credit Card -

  • Get 5 Reward points for every Rs 100 spent on IRCTC ticketing website & Rail Connect App

  • 1 Reward point on every Rs 100 spent on all other spends

  • Additional 5% Cashback on train ticket bookings via HDFC Bank SmartBuy

  • Credit Card to UPI - The HDFC IRCTC Credit Card can be linked to your UPI

  • Welcome voucher worth Rs 500 on card activation within first 37 days of Card Activation

  • Annual fee waiver on annual spends of Rs 1,50,000 or more


Other Amazing Offers -

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

  • 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)

  • Interest Free Credit Period : Up to 50 days of interest free period on your HDFC Bank Rupay IRCTC Credit Card from the date of purchase

  • Revolving Credit : Available at a nominal interest rate on your HDFC Bank Rupay IRCTC Credit


Fees & List of all charges

  • Joining Fees: Rs 500 + GST.

  • Annual Fees: Rs 500 + GST.


Documents Needed

  • Address Proof - Aadhaar, Passport, Latest utility bills

  • ID proof - PAN, Voter ID, Passport

  • Income proof - Bank Statement, Salary Slips


Eligibility Criteria

  • Required Age: 21 - 60 years

  • Employment status: Salaried or Self-Employed

  • Minimum Income: Rs 25,000 per month (Salaried)

  • Minimum Income: Rs 6 lakhs per annum (Self-Employed)


How to Avail the Offer

  • User will be redirected to HDFC Bank's website

  • Click Login/Join Now and do OTP verification

  • Select HDFC Bank Credit Card and provide the required details

  • Application will be submitted, and a confirmation SMS will be sent on approval of the application