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Disclaimer: Terms and conditions apply. Credit Card approvals are at the sole discretion of HDFC Bank Limited. Credit Card approvals are subject to documentation and verification as per the Bank's requirement. Interest rates are subject to change. Please check with your RM or closest bank branch for current interest rates.
To apply for the IRCTC HDFC Bank Credit Card, applicants must be at least 21 years old, regardless of whether they are salaried or self-employed.
The age limit for applying for the IRCTC HDFC Bank Credit Card is 60 years for salaried individuals and 65 years for self-employed individuals.
Non-resident Indians are not eligible to submit an application for the IRCTC HDFC Bank Credit Card.
This card is specifically designed for Indian nationals who meet the eligibility criteria.
To apply for the IRCTC HDFC Bank Credit Card, salaried individuals need a gross monthly income of over ₹25,000. Self-employed individuals must make an annual earning of over ₹6 lakh as per their Income Tax Return (ITR)
Yes, self-employed individuals such as doctors, shopkeepers, traders, manufacturers, and architects can apply for this card.
There are no specific credit score criteria to apply for the IRCTC Card. Just ensure you do not have a history of loan defaults and are timely with your previous and ongoing debt repayments.
No, having a bank account with HDFC Bank is not mandatory to apply for the IRCTC HDFC Bank Credit Card.
Yes, you can apply for the IRCTC HDFC Bank Credit Card online. Visit the HDFC Bank website or simply click here to check eligibility. Follow the instructions and complete the application process.
No, individuals receiving a salary in cash are not eligible to apply for the IRCTC HDFC Bank Credit Card. The bank requires applicants to have a verifiable income through formal documentation, such as bank statements or salary slips, to assess financial stability and repayment capacity.
No, the applicant's monthly spending history does not directly impact their eligibility for the IRCTC HDFC Bank Credit Card. The bank primarily considers factors such as income, credit score, and repayment capacity rather than monthly spending habits when evaluating eligibility for the card.
However, spending on credit can have a positive or negative impact on your credit score which may impact your application.