HDFC Bank IRCTC Credit Card

The HDFC IRCTC credit card, launched in collaboration with IRCTC, is designed to offer a wide range of travel perks specifically for train travellers. This card is ideal for individuals looking to reduce their travel expenses while enjoying additional benefits. HDFC bank IRCTC offers cardholders to earn reward points on train ticket bookings, which can be redeemed for discounts on future trips. In addition to reward points, the card provides several other advantages, such as cashback on certain purchases, fuel surcharge waivers, and access to exclusive travel-related benefits. Overall, it provides a convenient way to make train travel more affordable and rewarding. HDFC credit card IRCTC charges an annual and joining fee of Rs 500 plus GST. Additionally You will be charged Rs 500 plus applicable taxes, but this is waived off if you spend Rs 1.5 lakh or more in the previous year.

How to apply for the HDFC Bank IRCTC Credit Card?

You can apply for a credit card online or offline both by visiting the HDFC Bank website or your nearest HDFC branch. The application process is simple, and your personal and financial information are required for the IRCTC HDFC Bank Credit Card.

Online:

1. Go to the HDFC Bank website or the IRCTC website
2. Choose the IRCTC HDFC Bank Credit Card.
3. Check your eligibility.
4. Provide your personal and income details.
5. Check your details provided by you are accurate.
6. Click on the submit button to complete your application
7. If your application is approved, then you will get confirmation from the bank.

How to redeem HDFC Bank IRCTC Credit Card cashback points?

Cardholders can avail IRCTC discount on HDFC credit card by the redemption options & steps to redeem reward points from HDFC Bank SmartBuy:

Redemption Options

1. As an HDFC IRCTC credit card holder, you can earn HDFC Bank reward points on various credit card transactions.
2. These reward points can be redeemed for booking train tickets via the IRCTC ticketing website and Rail Connect app and HDFC Bank SmartBuy portal.
3. You can also use these reward points to buy IRCTC vouchers via HDFC Bank Net Banking and HDFC Bank SmartBuy.
4. The value of 1 reward point is Rs 1 for redemption against the train ticket booking and IRCTC voucher purchase on HDFC Bank SmartBuy and HDFC Bank NetBanking.

Steps to Redeem Your HDFC Bank SmartBuy Reward Points

By following these steps, you can easily redeem your HDFC IRCTC credit card reward points and enjoy savings on your train journeys:

1. Visit the HDFC Bank SmartBuy platform.
2. Look for the IRCTC HDFC credit card option under the privileges section & select your card.
3. You can either log in immediately using your IRCTC HDFC bank credit card details. Alternatively, you can log in later when prompted while booking your train ticket.
4. To book your train ticket enter the source station, destination, and date of journey.
5. Review the class of travel, select your preferred train, and check seat availability for your chosen dates.
6. Enter your HDFC IRCTC credit card authorised partner user ID. If you don’t have one, you can create an account during this process.
7. Fill in the details of the travellers as required.
8. Choose either the Pay with Points or Pay option or the Pay with Credit Card option.
9. On the next payment page, the customer can see the Reward Point Slider, which they can use to select the number of reward points for redemption as part of the HDFC offer on IRCTC ticket booking.
10. Note that redemption can cover a maximum of 70% of the fare ticket amount for train ticket bookings through HDFC Bank SmartBuy. This includes fares for all passengers and any service charges levied by IRCTC.

How to check the HDFC IRCTC credit card reward point balance?

Steps to check your Reward Points balance through Net Banking

1. Login to your HDFC Bank Net Banking account.
2. Go to the Cards section of the website and click on Request.
3. Select your IRCTC HDFC Bank Credit Card number.
4. Click on Rewards to see your rewards balance.

Check your Reward Points balance through SmartBuy by following these steps

1. Login to your HDFC Bank SmartBuy account.
2. Click on the “Unlock Reward Summary” tab located at the top right corner of your screen.
3. Enter your registered mobile number, the last four digits of your credit card and your date of birth with HDFC Bank.
4. Your reward point balance will be displayed once your details are verified.

Documents Required for IRCTC HDFC Credit Card

You need to submit the scanned copies of the following documents while applying for the IRCTC HDFC Credit Card:

Proof of Identity: Voters ID Card, Aadhar card, PAN Card, Driving License, Passport.

Address Proof: Recent utility bills, Rent agreement, Ration Card, Voter ID, Passport, Aadhaar card.

Income Proof: Bank statements, Salary slips, Latest Income Tax Returns, Form 16.