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IRCTC HDFC Bank Credit Card

The IRCTC HDFC Bank Credit Card is a travel-focused co-branded card offering 5% cashback on train ticket bookings and 5X reward points on all train-related spends. Cardholders also enjoy 8 complimentary railway lounge visits per year. With an annual fee of ₹500 plus taxes, it’s ideal for frequent train travelers.

IRCTC HDFC Bank Credit Card

About IRCTC HDFC Bank Credit Card

This co-branded travel credit card is designed for frequent train travelers who regularly book tickets online. Cardholders can earn up to 5% value-back on train bookings, along with additional rewards when making reservations through the bank’s partner travel portal.

Unlike other similar travel cards with comparable annual fees, this card stands out by allowing reward points to be redeemed directly against train bookings at a 1:1 value, helping users save significantly on travel costs.

In addition to cashback and reward points, cardholders enjoy 8 complimentary railway lounge visits per year and a 1% waiver on transaction charges for ticket bookings. Welcome rewards and milestone benefits further enhance the overall value of this card for frequent travelers.

Rewards & Cashback Overview

Rewards Program

  • Earn 5 reward points for every Rs. 100 spent on train ticket bookings via official railway apps and websites.

  • Earn 1 reward point for every Rs. 100 spent on all other purchases.

  • Redeem accumulated reward points to offset train ticket payments, with 1 reward point equivalent to Rs. 1.

Cashback Benefits

  • Get an extra 5% cashback on train ticket bookings made through the bank’s dedicated rewards portal.

IRCTC HDFC Bank Credit Card Reward Points & Cashback Calculator

Reward Points Calculator

Travel & Other Perks

Railway Lounge Access

  • Enjoy 8 complimentary visits per year to select railway executive lounges, limited to 2 visits per quarter.

Transaction Fee Waiver

  • Save 1% on transaction fees for railway bookings made through official apps and websites, up to Rs. 1,000 per month.

Welcome Gift

  • Receive a Rs. 500 gift voucher when you activate your card within the first 30 days.

Quarterly Milestone Reward

  • Earn an additional Rs. 500 gift voucher on spending Rs. 30,000 within a quarter.

Fuel Savings

  • Get a 1% waiver on fuel surcharges for transactions between Rs. 400 and Rs. 5,000, capped at Rs. 250 per month.

Annual Fee Waiver

  • Waive the annual fee by spending Rs. 1.5 lakh or more in a year.

Fees & Charges

Particulars Fees / Charges
Joining Fee Rs. 500 + Applicable Taxes
Annual Fee Rs. 500 + Applicable Taxes
Finance Charges 3.75% p.m. | 45% p.a.
Late Payment Charges
For outstanding balance:
Up to Rs. 100 Nil
Rs. 101 to Rs. 500 Rs. 100
Rs. 501 to Rs. 5,000 Rs. 500
Rs. 5,001 to Rs. 10,000 Rs. 600
Rs. 10,001 to Rs. 25,000 Rs. 800
Rs. 25,001 to Rs. 50,000 Rs. 1,100
More than Rs. 50,000 Rs. 1,300

Things to Know Before Applying

Who Should Consider This Card

  • Frequent train travelers who book tickets through official railway platforms.

  • Individuals seeking a credit card with a low annual fee.

  • Those looking to earn reward points on train tickets as well as everyday purchases.

  • Cardholders who prefer redeeming reward points for railway bookings to maximize value.

Eligibility Requirements

  • Age: Between 21 and 65 years.

  • Occupation: Salaried or Self-employed.

  • Income:

    • Salaried: Minimum Rs. 15,000 per month.

    • Self-employed: Minimum Rs. 6 lakh per annum.

Steps to Close IRCTC HDFC Bank Credit Card

You can close your IRCTC HDFC Bank Credit Card online by following these steps:

Step 1: Submit an Online Request
Visit the HDFC Bank MyCards portal and start the credit card closure request.

Step 2: Enter Registered Mobile Number
Provide your 10-digit mobile number registered with the credit card account.

Step 3: Enter OTP for Verification
An OTP will be sent to your registered mobile number. Enter the OTP to verify your identity.

Step 4: Select the Credit Card to Close

  • Not registered for MyCards: Enter the last 4 digits of your credit card.

  • Multiple credit card holder: Select the card you want to close from the list, or add it if it’s not registered.

  • Single credit card holder: You can proceed directly to the next step.

Step 5: Choose Closure Reason
Select the reason for closing your credit card from the options provided.

Step 6: Authenticate with OTP Again
Enter the OTP sent to your registered mobile number to confirm your request.

Step 7: Submission Confirmation
Once submitted, you will receive a confirmation message that your IRCTC HDFC Bank Credit Card closure request has been successfully recorded.

IRCTC HDFC Bank Credit Card Helpline Number

You can reach HDFC Bank customer care for queries related to your IRCTC HDFC Bank Credit Card using the following numbers:

General Helpline (India)

📞 1800 266 1600 / 1800 266 2600
Accessible from anywhere in India for all banking and credit card services.

Customers Traveling Abroad

📞 +91 22 6160 6160
For assistance while overseas.

Premium Customers

For Imperia Account holders, Diners Black Credit Card, and Infinia Credit Card customers:
📞 +91 22 6171 7606 (Dedicated helpline)

Complaints & Grievances

  • Toll-Free Complaint Number: 📞 1800 258 3838 (India only)

  • Grievance Redressal Officer available for escalation

Important Notes

  • Only use the official HDFC Bank customer care numbers to avoid fraud.

  • Charges may apply as per your telecom plan.

FAQs

Is there an annual fee waiver available?

Yes, this credit card has an annual fee of Rs. 500. You can get the fee waived by spending Rs. 1.5 lakh in a year.

  • Age: 21 to 65 years

  • Occupation: Salaried or Self-employed

  • Income:

    • Salaried: Minimum Rs. 15,000 per month

    • Self-employed: Minimum Rs. 6 lakh per annum

 

Yes, a 1% transaction fee waiver is available on train ticket bookings made via official railway apps and websites. The maximum waiver allowed per month is Rs. 1,000.

You can apply online through the bank’s official portal by filling out the application form and submitting the required documents. For offline applications, visit your nearest bank branch to submit the form in person.

Yes, this card can be linked to UPI apps, allowing you to earn reward points on eligible UPI spends.

Yes, cardholders get 8 complimentary visits per year to select railway executive lounges, with a maximum of 2 visits per quarter.