REDEMPTION

• Steps to redeem Reward Points from HDFC Bank SmartBuy:
• To redeem the Reward points customer needs to visit HDFC Bank SmartBuy Platform. https://offers.smartbuy.hdfcbank.com/v1/irctc-co-brand
• Inside HDFC Bank SmartBuy platform 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 maximum 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.
• Customer would need minimum 100 points to redeem.
• 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.
• A customer can choose to pay partially using the reward points and the balance payment through your IRCTC HDFC Bank Credit Card. However, a customer would need minimum 100 points to redeem.
  ​​​​​​​But if the customer does not have enough reward points to redeem, he/she can continue to pay full amount through IRCTC HDFC Bank Credit Card.