HDFC Bank RuPay IRCTC Credit Card: Exclusive Railway Benefits

Table of Contents

Summary

In this day and age, when saving money and earning rewards have become a priority for everyone, a good credit card can do both for you. HDFC Bank RuPay IRCTC Credit Card is just such a smart financial tool designed especially for those who travel regularly on Indian Railways. It is not just a credit card – it is a package offer that gives you savings, security, and convenience in your travel.

With this card, you are entitled to collect reward points whenever you book train tickets on IRCTC, which can be used to make future bookings. The 1% fuel surcharge waiver, travel insurance, and extra RuPay discount make the card even more valuable. Be it a daily commuter, a student, an employee, or an individual who travels regularly to meet family members, this card provides you with real money value.

One of its biggest advantages is that it’s easy to acquire and cheap to maintain. There is a small joining fee, and as long as you make little spending on the card each year, even the yearly charge can be waived. It also has a contactless pay function, with the assistance of which you can make faster and safer payments at shops, restaurants, and ticket booths. You can even operate everything online – see your transactions, redeem rewards, and make payments from home in the comfort of your house with the online facilities of HDFC Bank.

Introduction

Train travel is one of the most common and cost-effective means of traveling throughout India. Millions of people use Indian Railways every day for work, holidays, or to see family. What if your regular train bookings could make you money, reward you, and earn you special benefits? That is exactly what the HDFC Bank RuPay IRCTC Credit Card offers. It is specifically designed for frequent train travelers who book their tickets on IRCTC (Indian Railway Catering and Tourism Corporation).

This credit card is a collaborative effort by HDFC Bank, RuPay, and IRCTC to bring greater value and convenience to railway travel. Whether you book sleeper class or air-conditioned tickets, the card rewards you back on those bookings. The icing on the cake? You can use the card not only for railway reservations, but also for shopping, eating out, and other daily expenses, and earn reward points on everything.

The HDFC Bank RuPay IRCTC Credit Card charges a low-value join-up fee and multiple travel-related features. A maximum of 4 reward points is earned on every ₹100 spent on IRCTC ticket bookings. The reward points may be redeemed for future travel or other rewards. The card offers accidental insurance, fuel surcharge waiver, and special RuPay benefits at different merchants as well.

Another giant advantage is that it supports contactless payments, which makes your shopping and bill payments quicker and safer. Since it is a RuPay card, it also gets integrated into India’s indigenous payment system and can be accepted anywhere in the nation.

What is the HDFC Bank RuPay IRCTC Credit Card?

HDFC RuPay IRCTC Credit Card is a special credit card for anyone who travels by train frequently. HDFC Bank launches this credit card in collaboration with IRCTC (Indian Railway Catering and Tourism Corporation), operating on the RuPay payment network. This card saves you money when you book a train ticket from the IRCTC portal or mobile app. You earn reward points, cashbacks, and other travel rewards whenever you book anything using this card for the railways.

It is not limited to train fares—use it at the restaurant, go shopping, fill fuel, and much more. The card also offers certain additional conveniences such RuPay partner site discount, free travel accident insurance, and fuel surcharge waiver. Both online and offline, this reasonably priced credit card has minimal annual charge and easy usage. For regular train users who wish to save and make money on the journey, this is a wise option overall.

What is the design of the HDFC Bank RuPay IRCTC Credit Card?

In line with its branding with Indian Railways, the very advanced and professionally designed HDFC Bank RuPay IRCTC Credit Card reflects its co-branding approach; the card normally bears the IRCTC logo alongside the HDFC Bank emblem. The card is simple in design and easy to identify and use.

With just a touch of the card against compatible point-of-sale terminals, the card enables contactless payments—secure and convenient payments. Smooth design complements this feature and appeals to busy commuters who care little about style but much about convenience.

What are the benefits of the HDFC Bank RuPay IRCTC Credit Card?

Here are the top benefits described simply:

1. IRCTC Bookings with Reward Points

If you book train tickets online or through a mobile app through the IRCTC website utilizing this card, you earn 4 reward points for every ₹100 spent. These reward points can be exchanged later for rewards or discount offers.

2. Welcome Benefit

You get joining benefits of ₹500 (either in the form of vouchers or reward points), which almost reimburse your first-year charge as a joining gift.

3. Saving on fuel

You get exempted from a 1% fuel surcharge at all petrol pumps throughout India (on transactions of ₹400 to ₹5,000). This saves you on fuel.

4. Insurance Cover

The card offers you accidental death insurance cover while traveling. If something untoward happens during your train journey, this insurance can provide for your family financially.

5. Dining and Shopping Discounts

Enjoy special RuPay offers on dining, shopping, travel, and lifestyle when you make payments with your card at RuPay partner merchants.

6. Contactless Payments

The card is tap-and-pay enabled. You can make payments by just tapping your card at enabled machines – no swipe or entry of PIN for small payments.

7. Wide Acceptance

Since it is on the RuPay network, the card is accepted by the majority of Indian merchants, including local stores, IRCTC websites, and online portals.

8. Low Annual Fee

The joining and renewal fee is very low compared to other travel credit cards. Also, it can be waived if you spend a specified amount within a year.

9. Easy to Manage Online

You can just track your card spends, pay bills, redeem points, and check your balance through HDFC Bank’s mobile app and net banking.

What are the fees for the HDFC Bank RuPay IRCTC Credit Card?

Here is a simple HDFC RuPay IRCTC Credit Card fee breakup.

Joining Fee	₹500 plus GST
Annual Fee	₹500 plus GST
Add-on Card Fee	There are no charges for additional cards for family members.
Finance Charges	If you don’t pay your bill in full, a 3.75% per month (45% annually) charge on the outstanding balance.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting an HDFC Bank RuPay IRCTC Credit Card?

1. Age Requirement:

You should be between 18 to 65 years of age.

2. Income Requirement:

Salaried Applicants: The minimum net monthly income is required; however, the bank fixes the amount, which can differ based on the applicant’s profile.

Self-Employed Applicants: A minimum ITR amount is needed; the bank fixes the specific amount and can differ with applicants.

3. Employment Status:

You should have a regular job or business with a fixed income source.

4. Credit Score:

A CIBIL score of 700 and above is preferred for sanction.

5. Residency:

You should be an Indian resident and have a valid address proof.

What documents are required to get an HDFC Bank RuPay IRCTC Credit Card?

The documents that you will have to submit to Get an HDFC Bank RuPay IRCTC Credit Card are as below:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months, if you are a salaried employee Bank statement for the last 3 months ITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the HDFC Bank RuPay IRCTC Credit Card be used?

Here is the list of places where you can use it:

With the HDFC Bank RuPay IRCTC Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

You can use your HDFC Bank RuPay IRCTC Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

The HDFC Bank RuPay IRCTC Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the HDFC Bank RuPay IRCTC Credit Card?

The credit limit of the HDFC RuPay IRCTC Credit Card will rely on your income, credit score, and banking relationship. Subject to eligibility, this is a high-end credit card, typically ranging from ₹5 lakh to ₹25 lakh or more.

If you hold a Priority Banking account, you may be extended a higher credit limit. You are also allowed by the bank to request a limit upgrade based on your spending and repayment record. To ascertain your actual limit, you may call HDFC Bank once you have made your application.

How do you apply for an HDFC Bank RuPay IRCTC Credit Card?

Apply it through both these modes:

Online Application Process

Visit the official website of HDFC Bank, i.e.

Go to ‘Cards’, followed by ‘Credit Cards’.

On that page, you can see numerous options for credit cards issued by HDFC Bank; for instance, you can choose the HDFC RuPay IRCTC Credit Card.

Just hover your cursor on the HDFC Bank RuPay IRCTC Credit Card, followed by selecting ‘Apply Now‘ from there.

You will be asked to fill out your details, including your name, contact information, income details, and employment status.

Be accurate and updated with the information provided.

You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

After filling out the details and uploading the documents, review your application to make sure everything is correct.

Apply online through the application form.

The bank will check your application after you submit it. They can ask for extra documents or information if required.

You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process

You can walk into the nearest HDFC Bank branch to apply for the HDFC RuPay IRCTC Credit Card.

Request for the credit card application form for the HDFC Bank RuPay IRCTC Credit Card. They will provide you with the form and proceed accordingly.

Fill in the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.

Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport.

Your application will be processed, and your information will be cross-checked at the bank level.

In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

You will receive the HDFC Bank RuPay IRCTC Credit Card by post at the same postal address.

Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the HDFC Bank Card website or mobile app, or by calling customer service.

For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.

Would getting an HDFC Bank RuPay IRCTC Credit Card in 2025 be right?

Yes, the HDFC RuPay IRCTC Credit Card in 2025 can prove to be a good option if you eat, watch movies, and shop excessively. The card provides beneficial rewards such as savings on movie tickets, additional points on dining, and lifestyle privileges.

If you pay with your credit card frequently for such purchases, you can save a lot of money in the long term. The yearly fee is low and can be exempted if you spend sufficiently within the year. Just ensure you pay your bills on time to prevent fees. So, if your usage pattern is compatible with the rewards of this card, it can be a good choice for 2025.

Conclusion

Frequently Asked Questions (FAQ’s)

Que: Are reward points always usable?

Ans: No, reward points are valid for use for 2 years from the date they were accrued.

Que: Can I use my reward points?

Ans: You can spend your points on the HDFC NetBanking website or SmartBuy for a gift, vouchers, a flight ticket, and many more.

Que: Is the redemption of points free?

Ans: Yes, HDFC charges ₹99 for every redemption application.

Que: Does the card provide a purchase abroad facility?

Ans: Yes, you can use it abroad. However, there is a foreign currency markup fee of 3.5% on international transactions.

Que: Who can apply for the HDFC Bank RuPay IRCTC Credit Card?

Ans: Any salaried or self-employed Indian citizen who meets the bank’s income and age criteria (usually 21 to 60 years for salaried and 21 to 65 years for self-employed) can apply.