HDFC IRCTC Credit Card: Review, Benefits, & Comparison

The HDFC IRCTC Credit Card, a co-branded offering with the Indian Railway Catering and Tourism Corporation (IRCTC), is designed for frequent train travelers. This review will delve into its features, benefits, drawbacks, and compare it with similar cards.

Key Features and Benefits

• Reward Points: Earn 5 reward points per ₹100 spent on IRCTC website & app, and 1 point per ₹100 on other purchases.
• Cashback: Get an additional 5% cashback on train tickets booked via HDFC Bank SmartBuy.
• Lounge Access: Enjoy 8 complimentary access to select IRCTC Executive Lounges per year.
• Welcome Benefit: Receive a ₹500 gift voucher upon card activation within 30 days.
• Milestone Benefits: Earn a ₹500 gift voucher every quarter with ₹30,000 in retail spending.
• IRCTC Transaction Fee Waiver: Waive 1% transaction charges on IRCTC website and app (up to ₹1,000 per statement cycle).
• Fuel Surcharge Waiver: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 (capped at ₹250 per statement cycle).

Image Credit: Card Insider

Drawbacks

• Limited benefits outside of IRCTC transactions.
• High spending requirement (₹30,000 per quarter) for milestone benefits.
• Reward point redemption restrictions.
• Annual fee of ₹500 (waived on spending ₹1.5 lakh annually).

Fees and Charges Comparison

Feature	HDFC IRCTC Credit Card	Similar Card 1 (Example)	Similar Card 2 (Example)
Annual Fee	₹500 (Waiver on ₹1.5 Lakh Spend)	-	-
Joining Fee	₹500	-	-
Interest Rate	3.75% p.m. (or 45% p.a.)	-	-
Late Payment Fee	Varies (up to ₹1300)	-	-

Note: Replace "-" with data from comparable cards.

Real-World Use Cases

Let's see how the HDFC IRCTC Credit Card benefits a frequent train traveler.

Use Case 1: Monthly Train Travel

Mr. Sharma travels by train twice a month, spending approximately ₹6000 on tickets each time. Let's break down his monthly rewards.

Transaction	Amount (₹)	Reward Points	Cashback (SmartBuy)
Ticket 1	6000	300	300 (5%)
Ticket 2	6000	300	300 (5%)
Total Monthly	12000	600	600

Image Credit: Techno Fino

In this scenario, Mr. Sharma earns significant rewards, effectively reducing his travel costs.

Apply Now for the HDFC IRCTC Credit Card and start earning rewards!

Apply Now

Note: Replace "#" with actual application link.

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