HDFC Bank Launches The Co-Branded RuPay IRCTC Credit Card

HDFC Bank Launches The Co-Branded RuPay IRCTC Credit Card

HDFC Bank has partnered with IRCTC (Indian Railway Catering and Tourism Corporation) to launch a co-branded credit card called HDFC Bank RuPay IRCTC Credit Card. This card is designed for frequent train travelers and offers various privileges such as reward points, railway lounge access, welcome benefits, and more. The annual fee for this card is Rs. 499. To learn more about the HDFC Bank RuPay IRCTC Credit Card and its features, continue reading on the HDFC Bank website.

HDFC Bank Launches The Co-Branded RuPay IRCTC Credit Card

HDFC Bank RuPay IRCTC Credit Card

The HDFC Bank RuPay IRCTC Credit Card is a co-branded travel card issued by HDFC Bank in partnership with IRCTC. It comes with an annual fee of Rs. 499 and is ideal for train travelers. The card offers a high reward rate and exciting travel privileges. Here are the detailed features and benefits of this card:

  • Welcome Benefits: Cardholders receive a welcome gift of an Amazon voucher worth Rs. 500 when they make their first transactions within the first 30 days of card issuance.
  • Reward rates: The card offers the following reward rates:
    – 5 Cash Points on every Rs. 100 spent on bookings via IRCTC. Additionally, cardholders get a 5% additional discount on booking tickets via HDFC Smartbuy.
    – 1 Cash Point on every Rs. 100 spent elsewhere.
  • Reward Redemption: The earned Rewards (Cash Points) can be redeemed against various options at the following conversion rates:
    – 1 Cash Point = Re. 1 for redemption against travel bookings via the IRCTC website.
    – 1 Cash Point = Re. 0.30 for redemption against flight/hotel bookings and vouchers at IRCTC.
    – 1 Cash Point = Re. 0.30 for redemption against the statement balance.
  • Lounge Access: Cardholders receive 4 complimentary railway lounge access every year (capped at 1 per quarter).
  • Spend-Based Waiver: The renewal fee of Rs. 499 is waived off on spending Rs. 1.5 lakhs or more in the previous year.
  • Transaction Charges Waiver: When booking tickets using the HDFC IRCTC RuPay Card, cardholders enjoy waived transaction charges (for transactions between Rs. 400 and Rs. 5,000).
  • Fuel Surcharge Waiver: Cardholders receive a 1% fuel surcharge waiver on all fuel transactions between Rs. 400 and Rs. 5,000 (capped at Rs. 250 per billing cycle).

Also Check: HDFC Bank Partners With Tata Neu To Launch Co-Branded Credit Cards

Bottom Line

The HDFC Bank RuPay IRCTC Credit Card is a great option for frequent train travelers. With its attractive benefits and a nominal annual fee, this card is well-suited for those who frequently use IRCTC for travel bookings and other facilities. The annual fee can also be waived off based on the cardholder's spends in the previous anniversary year. If the benefits of this card align with your requirements, it is worth considering without any hesitation.

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