Fees & List of all charges
- Joining Fees: Nil
- Annual Fees: Nil
About HDFC IRCTC Credit Card –
- Lifetime FREE Credit Card (Limited period offer)
- Get 5 Reward points for every Rs 100 spent on IRCTC ticketing website & Rail Connect App
- 1 Reward point on every Rs 100 spent on all other spends
- 8 complimentary access to select IRCTC Executive Lounges every year (2 per quarter)
- Welcome Gift voucher worth Rs 500 on card activation
- Enjoy additional 5% cashback on booking IRCTC train tickets using HDFC Bank SmartBuy
- 1% Transaction charges waiver on transactions done on IRCTC ticketing website and Rail Connect App (maximum waiver of Rs 1,000 per statement cycle)
Eligibility Criteria
- Required Age: 21 – 65 years
- Employment status: Both Salaried and Self-Employed
- 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
Documents Needed
- Address Proof – Aadhaar, Passport, Latest utility bills
- ID proof – PAN, Voter ID, Passport
- Income proof – Bank Statement, Salary Slips
- Photograph: Recent passport-sized photo
