IRCTC Credit Card - Value Chart

Value Chart for the Customer
Features Monthly Spends (INR) Annual Savings (INR)
Reward Points Earnings on Train Ticket Bookings
5% as Reward Points for every INR 100 spent on IRCTC Ticketing Website/Rail Connect App 4000* 2,400
1% Transaction charges waiver on IRCTC Transactions ( Upto INR 1,000 per statement cycle) 500
Additional 5% Cashback on every INR 100 spent on IRCTC through HDFC Bank SmartBuy 2,400
Reward Points Earnings on Other Spends
1% as Reward Points for every INR 100 spent on all other spends 16,000 1500*
1% Fuel Surcharge waiver (Upto INR 250 per statement cycle) 4000* 500
Milestone Benefits
Milestone Benefit - Gift Voucher worth INR 500 on quaterly spends of INR 30,000   2,000
Waivers
Annual Fee Waiver on Annual spends of INR 150,000   500
Welcome Benefit
Welcome Benefit - Gift Voucher worth INR 500 on first transaction within 37 days of card issuance   500
Travel Benefit
8 Complimentary IRCTC Executive Lounge Access per year (2 per quarter)   3,200
Total savings on annual spends of INR 2,40,000 20,000 13,500

Above illustration is a representation of average spends behavior and may change basis actual spends done.

*Customer will get 5X Reward points and 1% Transaction Charges waiver on train ticket booking under same transaction

*INR 4000 of fuel spends is considered as a part of INR 16,000 spends made on all other categories

*Few of the Merchant Categories are not eligible for reward point earnings

Terms and conditions: 

​​​​The accrual of the 5X HDFC Bank Reward points on partner IRCTC spends is capped maximum at 1000 Reward. Points per month and 12000 Reward points Annually.

IRCTC Credit Card

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