IRCTC HDFC Bank Credit Card – Save while you Travel and make your journeys much more rewarding
- Lifetime Free Offer for EarnKaro Users
- Reward Points on IRCTC and Everyday Spends
- Complimentary IRCTC Lounge Access
- Welcome Gift Voucher
- Additional Cashback via SmartBuy
- 1% Transaction Charge Waiver
Product Highlights
Experience smart savings every time you travel with the IRCTC HDFC Bank Credit Card — your perfect train travel companion. Enjoy lifetime free membership, exclusive cashback, and exciting travel perks designed to make every journey more rewarding.
- Lifetime Free Card – Exclusive offer for EarnKaro users, valid till 31st December. No joining or annual fees (any fee shown during application will be reversed in the next billing cycle).
- Earn Rewards on Every Spend – Get 5 Reward Points for every ₹100 spent on IRCTC’s official website or Rail Connect App, and 1 Reward Point for all other purchases.
- Complimentary IRCTC Lounge Access – Enjoy 8 complimentary visits per year (2 per quarter) to select IRCTC Executive Lounges across India.
- Welcome Gift Voucher – Receive a ₹500 welcome voucher on card activation.
- SmartBuy Bonus Cashback – Earn an extra 5% cashback when booking IRCTC train tickets via HDFC Bank SmartBuy.
- Transaction Charge Waiver – Get a 1% transaction charge waiver on IRCTC bookings, saving up to ₹1,000 per billing cycle.
Travel smarter, save more, and enjoy exclusive privileges every time you plan your next train journey.
Fees & List of All Charges
Lifetime FREE Credit Card (till 31st December)
Joining Fee: Nil
Annual Fee: Nil
Documents Needed
ID Proof: PAN Card/Form 60
Address Proof: Aadhaar, Passport, or utility bills
Income Proof: Bank statements or Salary slips
Photograph: Recent passport-sized photo
Eligibility Criteria
Age: 21 to 65 years
Employment: Both salaried and self-employed individuals
Salaried Income: Rs 25,000/monthly
Self Employed: ITR > Rs 6 Lakhs/annum
Credit Score: 750+
New to Credit: Allowed for salaried & self-employed both
Important Terms & Conditions:
Tracking Time: 72Hrs after the Application ID Generation
Confirmation Timeline: Within 75 Days of Card Activation
Profits on HDFC Bank App Applications: Not Applicable
Profits on Referral Earnings: Not Applicable
If you currently hold or have ever held an HDFC Credit Card, you are not eligible for Profit
No Profit is applicable for Employees of HDFC, HDB, CHBL & CSC Main or Group of Companies
A minimum transaction of Rs 100 within 30 days is mandatory to activate your card; otherwise, you wont be eligible for the Profit
Please use Aadhaar linked mobile number to fill the application
VKYC done over 50km from your Aadhaar/communication address will result in application rejection and loss of Profit
