HDFC Bank RuPay IRCTC Credit Card Review

General Information

Rewards and Benefits

Fees and Charges

Summary

An Amazon voucher of Rs. 500 is offered as a welcome benefit. Every Rs. 100 spent on retail purchases earns 1 Cash Point. There is a 5x Cash Points reward for IRCTC spends. Enjoy complimentary railway lounge access annually. The renewal fee can be waived based on the amount spent. Also, avail a 1% fuel surcharge waiver.

The HDFC Bank RuPay IRCTC Credit Card is an excellent option for frequent travelers.

With a joining fee of Rs. 500 + GST and a renewal fee of Rs. 500 + GST, this card offers great value for money.

The card is best suited for travel enthusiasts, as it rewards users with Reward Points.

On every retail spend of Rs. 100, you earn 1 Cash Point, and on IRCTC bookings, you receive 5x Cash Points.

This provides a fantastic opportunity to accumulate rewards quickly.

To sweeten the deal, the card offers a welcome benefit of an Amazon voucher worth Rs. 500 when you make your first transaction within the first 30 days.

This is a great way to kickstart your credit card experience.

When it comes to travel perks, this card is not lacking.

Cardholders get 8 complimentary access to IRCTC Executive Lounges, ensuring a comfortable and relaxing journey.

While this card does not offer benefits for movie dining, shopping and travel enthusiasts will find the rewards and cashback opportunities to be highly beneficial.

The renewal fee of the card can be waived if you spend Rs. 1.5 lakhs or more in the previous year, providing an added incentive to use the card for your everyday expenses.

When it comes to fees, the card stands out with zero rewards redemption fee.

This means you can enjoy the benefits of your hard-earned rewards without any additional charges.

It is important to note that the card does charge a foreign currency markup of 3.5% on international transactions.

So, if you often travel abroad, it's advisable to keep this in mind.

Fuel transactions, on the other hand, will not burden you with extra charges, as the card offers a 1% fuel surcharge waiver on all fuel transactions.

For cash advances, the card levies a charge of 2.5% of the cash amount or Rs. 500, whichever is higher.

It's essential to carefully consider this before opting for a cash advance.

Overall, the HDFC Bank RuPay IRCTC Credit Card is a reliable option for frequent travelers who want to earn rewards and enjoy travel perks.

With its attractive joining and renewal fees, reward program, and welcome benefit, this card is definitely worth considering.