HDFC Bank RuPay IRCTC Credit Card: For Frequent Users of the Indian Railways!

Travelling in train is certainly a feature of India, because millions of people access this form of transport to cover different destinations. What makes this experience merrier is the RuPay IRCTC Credit Card that has been launched by HDFC Bank for rail passengers, who regularly books their train tickets and prefers earning as reward coupled with several other value-added recognition.

In the following post, we are going to review the HDFC Bank RuPay IRCTC Credit Card features, benefits, and application process. If you are someone that uses the train an awful lot, this card could well be the answer to get more from your journey, with some great rewards and benefits.

Highlights of the HDFC Bank RuPay IRCTC Credit Card

The HDFC Bank RuPay IRCTC Credit Card is a co-branded card issued by the bank in partnership with Indian Railway Catering and Tourism Corporation (IRCTC) and RuPay. The card is customized to serve the needs of railway passengers with special rewards on train ticket bookings and on the card usage in shopping, dining and travel.

There is a lot that this card has to offer, in terms of reward points, free lounge access, train ticket booking discounts and more. With this card, customers can maximize their rail experience while still being connected to the convenience and flexibility of a credit card.

Main Features of the HDFC Bank RuPay IRCTC Credit Card

Benefits of Reward Points on Train Ticket Booking

One of the most attractive things about this card are the reward points you earn every time you book train tickets from IRCTC. The 5% cashback offer enables the train travellers availing the IRCTC website for booking their travel, to maximise their savings on their travel bookings.

This cashback is received in terms of reward points in your account which can be used for discounts on subsequent bookings or other services on the IRCTC website.

Extra Reward Points on Other Spends

In addition to the railway tickets bookings, the HDFC Bank RuPay IRCTC Credit Card also earns reward points for spends on all other categories too.

• 2 reward point for every ₹150 spent on the card on all categories (including dining,shopping and utility payments).

• 1 Reward Point for every ₹150 spent on non-fuel transactions like bill payments.

These bonus points can be redeemed for different rewards, such as the discount against your future rail tickets and other travel-services.

Complimentary Lounge Access

Visitors usually require a tranquil space before their journey begins. The HDFC Bank RuPay IRCTC Credit Card comes with free lounge access at select airports. Cardmembers enjoy 2 complimentary visits per year to select airport lounges across India to unwind in and relax before your flight. This perk is particularly valuable if you are a heavy traveler as well.

Train Ticket Bookings - Flat Rs. 25 Off on UTS App

The card provides immediate discounts on ticket bookings on IRCTC, which makes it more convenient for the rail commuters. No matter you are booking a tatkal quota or regular ticket you will get a direct discount on your bookng amount which makes your journey a cheapest and west side.

Waiver of Fuel Surcharge

Fuel can cost an arm and a leg, particularly for those who spend a lot of time behind the wheel. Fuel Surcharge Waiver-Enjoy 1% fuel surcharge waiver (max waiver of upto Rs 250 per cycle) on fuel transactions Services All fuel purchases made on HDFC Bank Passions Credit Card are applicable for redemption. This facility can help cardholders save on fuel bills too as the surcharge loaded on fuel payment can be done away with.

Annual Fee and Waiver

The annual fee of the HDFC Bank RuPay IRCTC Credit Card is ₹500. But the annual fee is exemptible if you make retail spends of at least ₹50,000 in a year. This means it’s a cheap card for rail spending and everyday purchases.

Advantages of the HDFC Bank RuPay IRCTC Credit Card

/ Limitations of the HDFC Bank RuPay IRCTC Credit Card

Other than the features, the HDFC Bank RuPay IRCTC Credit Card comes with benefits that position it to be every train traveler’s favourite:

Seamless Train Ticket Booking

With the HDFC Bank RuPay IRCTC Credit Card, booking train tickets is a breeze. After connecting the card with your IRCTC account, you can simply make payments for your bookings, instead of having to change the mode of payment or log in to any other platforms. This easy passage is a boon to those travlers who travels a lot and they don't want to be bothered trying to book tickets on their own.

Special Discounts on IRCTC Products

They will also get special discount for booking train tickets on the website (2.5 per cent). Be it any travel towards vacation or simply a meal on train, your HDFC Bank RuPay IRCTC Credit Card provides you with exclusive deals and offers that make your travel more enriching.

Convenient EMI Options

You can also convert your purchases into easy EMIs or pay your outstanding amount in convenient installments with the HDFC Bank RuPay IRCTC Credit Card. In case you have embarked on ‘high ticket’ expenditure, such as buying a long-distance railway ticket or purchasing a holiday package, then you may convert the amount into an EMI in order to repay it in a number of months. This flexible solution enables you to sue your money without being tied to a single lump sum payment.

Access to IRCTC Train Offers

The card offers you with exclusive IRCTC train ticket offers on online as well as offline booking. These offers generally come at a concessional fare, discount for a group booking and also for senior citizens. The HDFC Bank RuPay IRCTC Credit Card ensures that cardholders are able to maximize the value they can derive from such limited-time offers, bringing to them the best offers on their rail travel.

Comprehensive Insurance Coverage

The HDFC Bank RuPay IRCTC Credit Card also offers insurance to Reward Cardholders. This includes:

• Accidental Death Insurance for cardholders.

• Travel Insurance for cardholders that book rail ticket using the card.

The coverage offers you peace of mind as you travel, knowing you’re covered in case anything goes wrong.

Why to Choose the HDFC Bank RuPay IRCTC Credit Card?

HDFC Bank RuPay IRCTC Credit Card is specially designed for the frequent rail users of Indian Railways and rewards you by making your travel with Indian Railways and everyday spends even better. Here’s why you might want to open this card:

• Exclusive Rewards – Receive rewards for every train ticket purchase, as well as for all other purchases you can exchange for discounts on future booking or other merchandise.

• Value for money: This card offers great bang for your buck with little annual fees and rewards/discounts accumulation.

• Convenience : Book train tickets, reserve your favorite hotel, book your taxi by using a series of quick links on the Swiggy app.

• Travel Benefits: Get access to free lounge visits, fuel surcharge waivers and IRCTC discounts for a better travelling experience.

• Insurance: Carry the right travel insurance for added peace of mind.

Conclusion

For regular train travellers, this is an ideal card to have- HDFC Bank RuPay IRCTC Credit Card. You get rewards on booking train tickets and then you get to save money on IRCTC products and services - scratch that, that's precisely the point of this card, it's there to make your travel experience rewarding, and smoother. It has a low annual fee, good rewards program and travel perks, and is perfect card for those who frequently travel with Indian Trains.

If you’re a regular train rider, the HDFC Bank RuPay IRCTC Credit Card should definitely be on your radar. Reap the benefits, rewards and travel the world with added ease and thrill.