Features
Eligibility
Fees and charges
Redemption
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/irctc-co-brand
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.
Customer would need minimum 100 points to redeem.
- 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.
- A customer can choose to pay partially using the reward points and the balance payment through your IRCTC HDFC Bank Credit Card. However, a customer would need minimum 100 points to redeem.
But if the customer does not have enough reward points to redeem, he/she can continue to pay full amount through IRCTC HDFC Bank Credit Card.
