Unlock Exclusive Benefits with HDFC Bank’s RuPay IRCTC Credit Card!

Earn cashback and rewards. Also, they get travel benefits, which can make their travel experience much more relaxed. In this article, we are going to see the benefits and rewards provided by HDFC Bank RuPay IRCTC Credit Card and other features that might attract other people as well.

Features and Benefits of HDFC Bank RuPay IRCTC Credit Card

Welcome Benefits

As a welcome benefit, cardholders will get an Amazon Gift voucher worth Rs. 500 after the activation of their card and making the transaction within the first 30 days of the card issuance.

Renewal Fee Waiver

The annual fee of Rs. 500 is waived if the user spends Rs. 1,50,000 or more in the previous year.

Reward Benefits

• The HDFC Bank IRCTC Credit Card offers decent reward rates in various categories mentioned below:
• Earn 1 Cash Point for every Rs. 100 spent on retail purchases.
• 5x Cash Points for IRCTC bookings.
• The HDFC SmartBuy platform offers an additional 5% discount to customers when they book IRCTC tickets.

Travel Benefits

With this card, cardholders will get a travel benefit of 8 complimentary (IRCTC Executive Lounge) railway lounge access every year (2 per quarter).

Fuel Surcharge Waiver

You get a 1% fuel surcharge waiver on all fuel purchases between Rs. 400 and Rs. 5,000. The waiver is capped at Rs. 250 per billing cycle, i.e. you get a maximum waiver of Rs. 250 in a billing cycle.

Reward Redemption

The RPs earned with this credit card can be redeemed for various options listed below:

• 1 Cash Point = Re. 1 for redemption against railway bookings through the IRCTC app website.
• 1 Cash Point = Re. 0.30 for redemption against flight/hotel bookings through IRCTC and other options, including cashback.

Document Required for HDFC Bank RuPay IRCTC Credit Card

To apply for HDFC RuPay IRCTC Credit Card, you need to submit some documents that are:

• Accepted identity proofs include an Aadhar card, Voter’s ID, Passport, PAN Card, and Driving License. To complete your address verification process, you will need to provide an address-proof document. Some examples of acceptable documents include the latest utility bills, Aadhar cards, rent agreements, passports, etc.
• For salaried individuals, please provide a salary slip or bank statement. For self-employed individuals, please give the latest ITR.

Eligibility Criteria for HDFC Bank RuPay IRCTC Credit Card

Eligibility criteria for HDFC Bank RuPay IRCTC Credit Card are as follows:

• Age of the applicant should be between 21 to 65 years.
• The monthly income of a salaried person should be at least Rs. 25,000.
• The annual income of the self-employed person should be Rs. 6 lakhs.

Conclusion

For regular rail travelers, the HDFC Bank RuPay IRCTC Credit Card is a great choice because it offers a number of advantages and perks. The card comes with welcome perks, travel advantages, a fuel surcharge waiver, reward redemption, and a reduction of the renewal cost.

To obtain the card, you must fulfill the eligibility requirements and submit the required documentation through the application process. All things considered, the card offers special advantages and prizes that greatly increase the convenience and enjoyment of rail travel.