The IRCTC Credit Card, specifically the HDFC Bank IRCTC Credit Card, is a specialised Credit Card designed in collaboration with the Indian Railway Catering and Tourism Corporation (IRCTC). This card offers a range of benefits, including reward points, CashBack, travel perks, IRCTC executive lounge access, and more making it an ideal choice for frequent train travellers.

Documents required for the HDFC Bank IRCTC Credit Card include: 

• Identity Proof
   Passport    
  Aadhaar Card   
  Voter ID    
  Driving licence    
  PAN card   
  Passport size photos 

• Address Proof
  Utility bills (electricity, water, gas, or telephone)   
  Rental agreement    
  Passport    
  Aadhaar card   
  Voter ID  
  

• Income Proof 
  Salary slips (for salaried individuals)   
  Income Tax Returns (ITR)   
  Form 16   
  Bank statements 

The IRCTC Credit Card offers several travel benefits:

• 5 Reward Points for every ₹100 spent on the IRCTC ticketing website and the Rail Connect app.

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

• 8 complimentary access passes to select IRCTC executive lounges every year.

• 1% transaction charges waiver on transactions done on the IRCTC ticketing website and Rail Connect app.

Yes, you can withdraw cash using your IRCTC Credit Card, However, the bank will charge a cash advance fee of 2.5% of the transaction amount or a minimum of ₹500 whichever is higher. The bank also offers a cash advance limit of 40%. The type of your Credit Card ascertains your cash advance limit. 

While the IRCTC Credit Card is primarily designed for domestic use, it may be accepted for international transactions. However, it's crucial to check with the issuing bank to confirm the card's international validity. Keep in mind that international transactions may attract additional charges, including currency conversion fees.

The IRCTC Credit Card offers various benefits like reward points, cashback, lounge access, and transaction charge waivers. It can be used for making purchases on the IRCTC website and the Rail Connect app, earning reward points on every transaction. Additionally, the card offers cashback on various other expenses, fuel surcharge waivers, and access to exclusive lounges.

To apply for the IRCTC Credit Card, follow these general steps:

• Visit the official website of the HDFC Bank.

• Navigate to the credit card section and find the IRCTC Credit Card.

• Fill out the online application form with the required personal and financial details and documents.

• Submit the application and await approval from the bank.

• Once approved, the bank will dispatch the credit card to your registered address.

• 5 Reward Point per ₹100 spent on IRCTC Ticketing Website/ Rail Connect App 

• 1 Reward Point per ₹100 spent on all other merchant (Spends on EMI interest amount and repayment, Fuel, Wallet load, gift vouchers, prepaid card loading, cash advances, payment of outstanding balances, payment of card fee and other charges, Government charges, Education, rental transactions etc. are excluded). 

• Additional 5% CashBack on Train ticket booking via HDFC Bank SmartBuy. 

• Value of 1 RP= ₹1 for Train ticket booking 

• Gift Voucher Worth ₹500 on first transaction within 37 days of card issuance. 

• Gift Voucher worth ₹500 on quarterly spends of ₹30,000. 

• Reversal of 1% Transaction charges on transactions done on IRCTC Ticketing Website and Rail Connect 

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

• First Year Joining Fee – ₹500/- + Applicable Taxes

• Renewal Membership Fee – ₹500/- + Applicable Taxes

Renewal fee can be waived off if a customer spends ₹1,50,000 or more in an anniversary year, before your Credit Card renewal date.

1% Fuel Surcharge waiver on fuel transactions (Minimum transaction of ₹400, Maximum transaction of ₹5,000 & Maximum CashBack of ₹250 per statement cycle) 

(Fuel surcharge varies from 1% to 2.5% of fuel transaction base amount. The rate of surcharge may vary depending on the fuel station and their acquiring bank. GST is as applicable and is not reversible.)

• You can apply for this Credit Card through both online and offline modes. To apply online, you can visit the official website of HDFC Bank - http://www.hdfcbank.com or you can visit the official website of IRCTC – https://irctc.co.in

• To apply offline, you may visit the nearest branch of the bank to fill out the application form.

• Customer will be eligible for a gift voucher worth Rs.₹500 on performing 1 transaction of any amount within the first 37 days from card issuance date.
• Activation vouchers will be issued to customers within 90 working days after the end of card issuance month. 
• Bank will share the voucher code to customer via SMS/Email. 
• Customers need to claim the voucher by visiting the link given in the Eligibility Mailer, or by sending an SMS according to the short codes given in the eligibility SMS. E-Vouchers will be triggered immediately to the customers on receipt of the-voucher choice. 
• Post verification of voucher code the redeemed amount will be credited to cardholders e-wallet balance 
• Customer can also book the ticket by using wallet balance. 

A cardholder will be eligible for an additional 5% CashBack + 5% as HDFC Bank Reward points as per product feature if he/she does a transaction through HDFC Bank SmartBuy on IRCTC. All other existing SmartBuy offers will be applicable as per SmartBuy Terms & Conditions.

The loyalty number printed on the back of your IRCTC HDFC Bank Card plastic is a an 11-digit number which gets allocated on approval of the card application. Cardholder shall avail the benefits of the IRCTC HDFC Bank Card by linking the IRCTC HDFC Bank Card loyalty number to his/her existing IRCTC login id. 

You can link your 11 digits loyalty number post joining fee payment of your IRCTC HDFC Bank Credit card. You need to use the same email id, mobile no. and date of birth that was mentioned while applying for the IRCTC HDFC Bank Credit card.

Steps for linking the loyalty number with IRCTC login id are mentioned below:

• Visit IRCTC Ticketing Website/Rail Connect App and access the IRCTC account with your existing login id (Username and password). In case you do not have an existing login id on IRCTC Ticketing Website then you would need to register yourself by signing up at IRCTC.
• Select the option- “Add Loyalty Account “link provided under Loyalty Account Tab.
• Enter the 11 digits Loyalty Number printed at the back of your IRCTC HDFC Bank Credit card, then click on sent OTP.
• Enter the OTP received on your registered mobile number and click on Confirm.
• After entering the OTP, cardholder will receive confirmation message of successful linking of Loyalty Account.
• You can check your Loyalty Account details under the “Loyalty Account tab”. 
• You will not be able to link your IRCTC HDFC Bank Credit card if there is a mismatch in the email id, mobile no. and date of birth that was mentioned while applying for the IRCTC HDFC Bank Credit card.
• You can call on IRCTC customer care on 14646 or 0755-6610661/0755-4090600 if you are unable to link your IRCTC HDFC Bank Card loyalty number with your IRCTC login ID and password.

Yes, you can withdraw cash via this Credit Card through any ATM. However, the Bank will charge a cash advance fee of 2.5% of the transaction amount or a minimum of RS. ₹500 whichever is higher. At HDFC Bank, we offer a cash advance limit of 40 %. So, if your Credit Card limit is Rs ₹1 lakh, you can withdraw cash up to Rs ₹40,000. The type of your Credit Card ascertains your cash advance limit. 

If your Credit Card is lost or stolen, you should immediately inform the Bank by visiting the nearest branch or by calling on the customer care number. Alternatively, login to HDFC Bank Online at once and report your lost or stolen card in the service requests section in the menu. 

You can check the status of your Credit Card application by visiting the official website of the Bank. On the homepage, under the cards section, you will find an option of to ‘Track your Application’. You will be asked for an Application Reference Number (ARN), post which the Bank will be able to tell you the status of your Credit Card application. 

Below is the link available for application tracking 

https://www.hdfcbank.com/personal/pay/cards/credit-cards/track-your-credit-card

"Reward Points” shall mean the points earned by the Rewards Program members, for undertaking such transactions and activities as specified under the Rewards Program, which may be redeemed towards purchase of railway tickets and/ or other services on the Platform and/ or through any other redemption options/ on other platforms mutually agreed upon by the Parties.

Reward points are valid for 2 years

The total Reward points earned in a cycle will reflect in the subsequent month statement of the cardholder

Steps to check your Reward Points balance through NetBanking

• You can check your reward point balance in your NetBanking account. 

• You need to login to your HDFC Bank NetBanking account 

• Then go to Cards and click on Request 

• Select your IRCTC HDFC Bank Credit Card number 

• Now select “Rewards” and you will be able to see your rewards balance. 

Steps to check your Reward Points balance through SmartBuy

• Login to your HDFC Bank SmartBuy account. Click on the “Unlock Reward Summary” tab would appear on the top right corner of your screen. 

• You would need to input your mobile number registered with HDFC Bank, Last four digit of your Credit Card and your date of birth. 

• You would be able to see your reward point balance once the details provided by you is are verified. 

You can use your HDFC Bank Reward Points for train ticket booking via SmartBuy

Steps to redeem Reward Points from HDFC Bank SmartBuy:

• To redeem the Reward points, the customer needs to visit HDFC Bank SmartBuy Platform. https://offers.smartbuy.hdfcbank.com/v1/foryou

• Inside HDFC Bank SmartBuy platform, the customer can select IRCTC HDFC Bank Credit Card under Privileges.

• Either a customer can login after entering landing to the IRCTC HDFC Bank Card or customer can login later once prompted while trying to book the train ticket. 

• To book the train ticket enter source station, destination, date of journey and submit the information

• Check the class of travel, click on the preferred train and check the seat availability for the proposed date(s).

• Enter your IRCTC Authorised Partner user ID or create an IRCTC Authorised Partner account if you don’t have one already. 

• Submit the traveller’s details.

• Pay with Points + Pay or Pay option from IRCTC Co Brand Card.

• At payment gateway, the customer can see option to pay with Points + Pay with Credit Card or Pay with Credit Card.

• On the next payment page, the customer can see the Reward Point Slider that they can use to add the number of reward points for redemption

• Redemption can be made only against a maximum of 70% of fare ticket amount on train ticket booking via HDFC Bank SmartBuy, inclusive of fares of all the passengers and service charges levied by IRCTC.

Yes. On successful points redemption HDFC Bank Credit Card will be charged Rs.₹99 + GST on the Credit Card. But this could change subject to HDFC Bank’s terms and conditions. Please read our terms and conditions regularly for any changes, if applicable. 

Yes, you would need a minimum of 100 points to redeem. 

Yes, you can redeem up to a maximum of 70% of booking value through Reward Points. Rest will have to be paid via Credit Card. 

You can choose to pay partially using the reward points and the balance payment through your IRCTC HDFC Bank Credit Card. 
 
Please remember that you would need a minimum 100 points to redeem. 
 
But, if you do not have enough reward points to redeem you can continue to pay full amount through IRCTC HDFC Bank Credit Card. 

Customer can enjoy 8 Complimentary IRCTC Executive Lounge access per year (2 per quarter) 
 
₹ 2/- will be charged from the customer’s account to validate the card for complimentary lounge access. This amount will be non-refundable.

The complimentary access to IRCTC Executive Lounge will include the below facilities:

• Two Hours of lounge stay

• A/C comfortable sitting arrangements

• Access to washrooms / changing room

• 1 Buffet meal- Breakfast, Lunch or Dinner as per the time of visit.

• Unlimited tea & coffee

• Free Wi-Fi

• Charging points

• Newspaper and Magazine

Any additional service such as recliners or more shall be chargeable separate as per the operator price for that service.

• Reward Points are calculated on the spends made within the calendar month cycle. Only settled transactions within the calendar month will be considered for Reward Points posting. 

• For example: Cardholder statement is received on every 18th of the month. The Reward Points accrued for cardholder transactions from 1st of January till 31st of January will be calculated and posted on the 1st of February and the same can be seen when cardholder the receives the statement on 18th of February.

Individuals above the age of 21 years can apply for the IRCTC HDFC Bank Credit Card. Based on the Bank’s internal Policy, the potential customer will be given the card.

No, the reward points are not transferable and cannot be combined with the points accrued on any other HDFC Bank card account.

All the visits exceeding the complimentary quarterly quota will be allowed at the discretion of lounge and will also be chargeable by the IRCTC Executive Lounge. 

Reward Points shall not be eligible for the following spends/transactions on the card,

• Fuel Spends

• Wallet loads / Gift or Prepaid Card load/ Voucher purchase

• Cash Advances

• Payment of Outstanding Balances

• Payment of card fees and other charges

• Government related transactions

• Education

• Smart EMI / Dial an EMI transaction

• Rental transactions

• Interest amount of Merchant EMI

• If a cardholder breaches the monthly cycle capping of the product feature, then Reward Points shall not be rewarded for the spends made beyond the monthly capping.

Please note that there is a calendar month capping on Reward Points accrued on the below mentioned features

• The accrual of the 5 HDFC Bank Reward points on IRCTC spends is capped maximum at 1,000 Reward Points per month and 12,000 Reward points Annually.

• The accrual of the additional 5% cashback on Train Ticket Booking via HDFC BANK SmartBuy is capped maximum at ₹1,000 per month and ₹12,000 Reward points Annually.

If a cardholder breaches the monthly cycle capping of the product feature of 1,000 Reward Points, then Reward Points shall not be rewarded for the spends done beyond the monthly capping.

If the cardholder has not met the monthly cycle capping then the customer should contact the HDFC Bank Credit Card Customer Care.