Joining/Renewal/Membership Fee
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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 Bank's requirement. Interest rates are subject to change. Please check with your RM or closest bank branch for current interest rates.
The IRCTC HDFC Bank Credit Card has a joining fee of ₹500, plus applicable taxes.
The IRCTC HDFC Bank Credit Card has a renewal fee of ₹500, plus applicable taxes. Spend ₹1.5 lakh or more annually to receive a waiver on the renewal fee.
The reissue fee for a lost or damaged IRCTC HDFC Bank Credit Card is ₹100. You can apply for a replacement via net banking, the mobile app, or an HDFC Bank branch.
The IRCTC HDFC Bank Credit Card charges ₹10 for each duplicate statement request. This fee applies to physical statements only.
You can enjoy an interest-free period of up to 50 days on the IRCTC HDFC Bank Credit Card. This period is calculated from the purchase date, provided the merchant submits the charge promptly.
You receive a 1% waiver on transaction charges for railway ticket bookings made on the IRCTC website or the Rail Connect App when using the IRCTC HDFC Bank Credit Card. Refunds are processed after the transaction is completed. Click here for detailed information. Click here for detailed information.
For balance transfers, the IRCTC HDFC Bank Credit Card charges a fee of 1% of the transferred amount or ₹250, whichever is higher.
Interest charges on the IRCTC HDFC Bank Credit Card are calculated daily, starting from the transaction date and continuing until the entire amount is fully paid off.
The minimum amount due on the IRCTC HDFC Bank Credit Card is 5% of the total outstanding amount or ₹200, whichever is higher.