Frequently Asked Questions
1. What are the key features of the IRCTC HDFC Bank Credit Card?
- 5 Reward Point per Rs. 100 spent on IRCTC Ticketing Website/ Rail Connect App
- 1 Reward Point per Rs. 100 spent on all other merchant (Spends on EMI interest amount and repayment, Fuel, Wallet load, gift vouchers, prepaid card loading, cash advances, payment of outstanding balances, payment of card fee and other charges, Government charges, Education, rental transactions etc. are excluded).
- Additional 5% cashback on Train ticket booking via HDFC Bank SmartBuy.
- Value of 1 RP= Rs. 1 for Train ticket booking
- Gift Voucher Worth Rs.500 on first transaction within 37 days of card issuance.
- Gift Voucher worth Rs. 500 on quarterly spends of Rs. 30,000.
- Reversal of 1% Transaction charges on transactions done on IRCTC Ticketing Website and Rail Connect
- 8 Complimentary access to select IRCTC Executive Lounges every year (Max 2 per quarter)
2. What are the Fees and Charges applicable on IRCTC HDFC Bank Credit Card?
- First Year Joining Fee – RS. 500/- + Applicable Taxes
- Renewal Membership Fee – RS. 500/- + Applicable Taxes
3. Can my Joining fee or Card renewal fee be waived off?
Renewal fee can be waived off if a customer spends ₹1,50,000 or more in an anniversary year, before your Credit Card renewal date.
4. What are the other benefits on the IRCTC HDFC Bank Credit Card?
1% Fuel Surcharge waiver on fuel transactions (Minimum transaction of ₹400, Maximum transaction of ₹5,000 & Maximum Cashback of ₹250 per statement cycle)
(Fuel surcharge varies from 1% to 2.5% of fuel transaction base amount. The rate of surcharge may vary depending on the fuel station and their acquiring bank. GST is as applicable and is not reversible.)
5. How can I apply for IRCTC HDFC Bank Credit Card?
- You can apply for this credit card through both online and offline modes. To apply online, you can visit the official website of HDFC Bank - http://www.hdfcbank.com or you can visit the official website of IRCTC – https://irctc.co.in
- To apply offline, you may visit the nearest branch of the bank to fill out the application form.
6. How can I get my Welcome gift voucher?
- Customer will be eligible for a gift voucher worth Rs. 500 on performing 1 transaction of any amount within the first 37 days from card issuance date.
- Activation vouchers will be issued to customers within 90 working days after the end of card issuance month.
- Bank will share the voucher code to customer via SMS/Email.
- Customers need to claim the voucher by visiting the link given in the Eligibility Mailer, or by sending an SMS according to the short codes given in the eligibility SMS. E-Vouchers will be triggered immediately to the customers on receipt of the-voucher choice.
- Post verification of voucher code the redeemed amount will be credited to cardholders Ewallet balance
- Customer can also book the ticket by using wallet balance.
7. How many reward points will be earned if a cardholder spends through HDFC Bank SmartBuy?
A cardholder will be eligible for additional 5% cash back + 5% as HDFC Bank Reward points as per product feature if he/she does a transaction through HDFC Bank SmartBuy on IRCTC. All other existing SmartBuy offers will be applicable as per SmartBuy Terms & Conditions.
8. What is the loyalty number printed on the IRCTC HDFC Bank credit card?
The loyalty number printed on the back of your IRCTC HDFC Bank Card plastic is a 11-digit number which gets allocated on approval of the card application. Cardholder shall avail the benefits of the IRCTC HDFC Bank Card by linking the IRCTC HDFC Bank Card loyalty number to his/her existing IRCTC login id.
9. How to link your IRCTC HDFC Bank Credit Card loyalty number with your IRCTC login?
You can link your 11 digits loyalty number post joining fee payment of your IRCTC HDFC Bank Credit card. You need to use the same email id, mobile no. and date of birth that was mentioned while applying for the IRCTC HDFC Bank Credit card.
Steps for linking the loyalty number with IRCTC login id are mentioned below:
- Visit IRCTC Ticketing Website/Rail Connect App and access the IRCTC account with your existing login id (Username and password). In case you do not have an existing login id on IRCTC Ticketing Website then you would need to register yourself by signing up at IRCTC.
- Select the option- “Add Loyalty Account “link provided under Loyalty Account Tab.
- Enter the 11 digits Loyalty Number printed at the back of your IRCTC HDFC Bank Credit card, then click on sent OTP.
- Enter the OTP received on your registered mobile number and click on Confirm.
After entering the OTP, cardholder will receive confirmation message of successful linking of Loyalty Account.
- You can check your Loyalty Account details under the “Loyalty Account tab”.
- You will not be able to link your IRCTC HDFC Bank Credit card if there is a mismatch in the email id, mobile no. and date of birth that was mentioned while applying for the IRCTC HDFC Bank Credit card.
- You can call on IRCTC customer care on 14646 or 0755-6610661/0755-4090600 if you are unable to link your IRCTC HDFC Bank Card loyalty number with your IRCTC login ID and password.
10. Can I withdraw cash through IRCTC HDFC Bank Credit Card?
Yes, you can withdraw cash via this credit card through any ATM. However, the bank will charge a cash advance fee of 2.5% of the transaction amount or a minimum of RS. 500 whichever is higher. At HDFC Bank, we offer a cash advance limit of 40 %. So, if your Credit Card limit is Rs 1 lakh, you can withdraw cash up to Rs 40,000. The type of your Credit Card ascertains your cash advance limit.
11. What should I do if my card is lost or damaged?
If your credit card is lost or stolen, you should immediately inform the bank by visiting the nearest branch or by calling on the customer care number. Alternatively, login to HDFC Bank Online at once and report your lost or stolen card in the service requests section in the menu.
12. How can I check the status of my credit card application?
You can check the status of your credit card application by visiting the official website of the bank. On the homepage, under the cards section, you will find an option of ‘Track your Application’. You will be asked for an Application Reference Number (ARN), post which the bank will be able to tell you the status of your credit card application.
Below is the link available for application tracking
https://www.hdfcbank.com/personal/pay/cards/credit-cards/track-your-credit-card
13. What is the Reward Point?
Reward Points” shall mean the points earned by the Rewards Program members, for undertaking such transactions and activities as specified under the Rewards Program, which may be redeemed towards purchase of railway tickets and/ or other services on the Platform and/ or through any other redemption options/ on other platforms mutually agreed upon by the Parties.
14. What is the validity for reward points?
Reward points are valid for 2 years
15. When will the earned Reward Points be posted in the cardholder statement?
The total Reward points earned in a cycle will reflect in the subsequent month statement of the cardholder
16. How can I check my reward point balance?
Steps to check your Reward Points balance through Net Banking
- You can check your reward point balance in your Net Banking account.
- You need to login to your HDFC Bank Net Banking account
- Then go to Cards and click on Request
- Select your IRCTC HDFC Bank Credit card number
- Now select “Rewards” and you will be able to see your rewards balance.
Steps to check your Reward Points balance through SmartBuy
- Login to your HDFC Bank SmartBuy account. Click on the “Unlock Reward Summary” tab would appear on the top right corner of your screen.
- You would need to input your mobile number registered with HDFC Bank, Last four digit of your credit card and your date of birth.
- You would be able to see your reward point balance once the details provided by you is verified.
17. How do I redeem these Points?
You can use your HDFC Bank Reward Points for train ticket booking via SmartBuy
Steps to redeem Reward Points from HDFC Bank SmartBuy:
- To redeem the Reward points customer needs to visit HDFC Bank SmartBuy Platform. https://offers.smartbuy.hdfcbank.com/v1/foryou
- Inside HDFC Bank SmartBuy platform customer can select IRCTC HDFC Bank Credit Card under Privileges.
- Either a customer can login after entering landing to the IRCTC HDFC Bank Card or customer can login later once prompted while trying to book the train ticket.
- To book the train ticket Enter source station, destination, date of journey and submit the information
- Check the class of travel, click on the preferred train and check the seat availability for the proposed date(s).
- Enter your IRCTC Authorised Partner user ID or create an IRCTC Authorised Partner account if you don’t have one already.
- Submit the traveller’s details.
- Pay with Points + Pay or Pay option from IRCTC Co Brand Card.
- At payment gateway, the customer can see option to pay with Points + Pay with Credit Card or Pay with Credit Card.
- On the next payment page, the customer can see the Reward Point Slider that they can use to add the number of reward points for redemption
- Redemption can be made only against maximum 70% of fare ticket amount on train ticket booking via HDFC Bank SmartBuy, inclusive of fares of all the passengers and service charges levied by IRCTC.
18. Is there any Reward Redemption charge?
Yes. On successful Points redemption HDFC Bank Credit Card will be charged Rs. 99 + GST on the credit card. But this could change subject to HDFC Bank’s terms and conditions. Please read our terms and conditions regularly for any changes, if applicable.
19. Do I need min points to redeem?
Yes, you would need min 100 points to redeem.
20. Is there any limit to redeem points?
Yes, you can redeem upto maximum of 70% of booking value through Reward Points. Rest will have to be paid via Credit Card.
21. What if I don’t have enough Points to redeem?
You can choose to pay partially using the reward points and the balance payment through your IRCTC HDFC Bank Credit Card.
Please remember that you would need min 100 Points to redeem.
But, if you do not have enough reward points to redeem you can continue to pay full amount through IRCTC HDFC Bank Credit Card.
22. Is IRCTC Executive lounge access available on IRCTC HDFC Bank Credit Card?
Customer can enjoy 8 Complimentary IRCTC Executive Lounge access per year (2 per quarter)
Rs 2/- will be charged from the customer’s account to validate the card for complimentary lounge access. This amount will be non-refundable.
23. What facilities do I get in the IRCTC Executive Lounge?
The complimentary access to IRCTC Executive Lounge will include the below facilities:
- Two Hours of lounge stay
- A/C comfortable sitting arrangements
- Access to washrooms / changing room
- 1 Buffet meal- Breakfast, Lunch or Dinner as per the time of visit.
- Unlimited tea & coffee
- Free Wi-Fi
- Charging points
- Newspaper and Magazine
Any additional service such as recliners or more shall be chargeable separate as per the operator price for that service.
24. How does a cardholder calculate Reward points earned on monthly spends?
- Reward Points are calculated on the spends made within the calendar month cycle. Only settled transactions within the calendar month will be considered for Reward Points posting.
- For example: Cardholder statement is received on every 18th of the month. The Reward Points accrued for cardholder transactions from 1st of January till 31st of January will be calculated and posted on the 1st of February and the same can be seen when cardholder receive the statement on 18th of February.
25. How can I check my eligibility for this card?
Individuals above the age of 21 years can apply for the IRCTC HDFC Bank Credit Card. Based on the Bank’s internal Policy, the potential customer will be given the card.
26. Are reward points transferable?
No, the reward points are not transferable and cannot be combined with the points accrued on any other HDFC card account.
27. What happens if a cardholder exceeded quarterly complimentary IRCTC Executive Lounge visits on IRCTC HDFC Bank Credit Card?
All the visits exceeding the complimentary quarterly quota will be allowed at the discretion of lounge and will also be chargeable by the IRCTC Executive Lounge.
28. As a Cardholder I am not getting Reward Points on spends, why so?
Reward Points shall not be eligible for the following spends/transactions on the card,
- Fuel Spends
- Wallet loads / Gift or Prepaid Card load/ Voucher purchase
- Cash Advances
- Payment of Outstanding Balances
- Payment of card fees and other charges
- Government related transactions
- Education
- Smart EMI / Dial an EMI transaction
- Rental transactions
- Interest amount of Merchant EMI
- If a cardholder breaches the monthly cycle capping of the product feature, then Reward Points shall not be rewarded for the spends done beyond the monthly capping.
29. Is there any capping for Cashback earned on IRCTC HDFC Bank Credit Card Features?
Please note that there is a calendar month capping on Reward Points accrued on the below mentioned features
- The accrual of the 5 HDFC Bank Reward points on IRCTC spends is capped maximum at 1,000 Reward Points per month and 12,000 Reward points Annually.
- The accrual of the additional 5% cashback on Train Ticket Booking via HDFC BANK SmartBuy is capped maximum at Rs. 1,000 per month and Rs.12,000 Reward points Annually.
30. As a cardholder, I have not received my reward points for tickets booked through IRCTC Ticketing Website/ Rail Connect App?
If a cardholder breaches the monthly cycle capping of the product feature of 1,000 Reward Points, then Reward Points shall not be rewarded for the spends done beyond the monthly capping.
If the cardholder has not met the monthly cycle capping then the customer should contact the HDFC Bank Credit Card Customer Care.
Goods and Services Tax (GST)
Effective 1st July 2017, Goods & Services Tax (GST) is applicable on all Fees, Charges and Interest transactions.
The applicable GST would be dependent on place of provision (POP) and place of supply (POS). If POP and POS are in the same state then applicable GST would be CGST and SGST/UTGST else, IGST.
GST For FEE & Charges / Interest transactions Billed on statement date will reflect in next month statement.
GST levied will not be reversed on Any dispute on Fee & Charges / interest.
