HDFC IRCTC Credit Card
Benefits
- Welcome Voucher: Get a voucher worth ₹500 upon card activation within the first 37 days of card issuance.
- Earn Reward Points:
- 5 Reward Points: For every ₹100 spent on IRCTC ticketing website & Rail Connect App.
- 1 Reward Point: For every ₹100 spent on all other transactions.
- Cashback: Additional 5% cashback on train ticket bookings via HDFC Bank SmartBuy.
- Annual Fee Waiver: Waived on annual spends of ₹1,50,000 or more.
- Credit Card to UPI: Link your HDFC IRCTC Credit Card to your UPI.
Other Amazing Offers
- Complimentary Lounge Access: 8 visits to select IRCTC Executive Lounges every year (2 per quarter).
- Fuel Surcharge Waiver: 1% waiver (up to ₹250) on transactions between ₹400 – ₹5,000 at all fuel stations across India.
- Interest-Free Period: Enjoy up to 50 days of interest-free credit from the date of purchase.
- Revolving Credit: Available at a nominal interest rate.
Fees & Charges
- Joining Fee: ₹500 + GST
- Annual Fee: ₹500 + GST
Documents Needed
- Address Proof: Aadhaar, Passport, Latest utility bills.
- ID Proof: PAN Card, Voter ID, Passport.
- Income Proof: Bank Statement, Salary Slips.
Eligibility Criteria
- Age: 21-60 years
- Employment Status: Salaried or Self-Employed
- Minimum Income:
- ₹25,000 per month (Salaried)
- ₹6,00,000 per month (Self-Employed)
How to Apply
- Click Here to be redirected to HDFC Bank’s website.
- Click Login/Join Now and complete the OTP verification.
- Select the HDFC Bank Credit Card and provide the required details.
- Submit your application and await a confirmation SMS upon approval.
SBI IRCTC Credit Card
Benefits
- 350 Activation Bonus Reward Points: Earn these points on your first transaction of ₹500 or more within 45 days of card issuance.
- Up to 10% Rewards: Receive rewards on buying tickets through the IRCTC App and website.
- ₹100 Cashback: Get cashback on your first ATM cash withdrawal within 30 days of receiving the card.
- Earn Rewards: Accumulate 1 Reward Point for every ₹125 spent (1 Reward Point = ₹1).
- 1% Savings: Save on transaction charges for train bookings.
Features of the Card
- IRCTC Ticket Purchases: Earn up to 10% value back as Reward Points on tickets purchased through irctc.co.in & the IRCTC Mobile App (Android only) for AC1, AC2, AC3, and AC CC.
- Reward Points Redemption: Link your IRCTC SBI Card loyalty number with your IRCTC login ID to redeem Reward Points on the IRCTC Website and Mobile App.
- Transaction Charge Savings: Save 1% on railway ticket booking charges on www.irctc.co.in.
- Complimentary Lounge Access: Enjoy 4 complimentary railway lounge accesses per year in India (maximum 1 per quarter).
- Fuel Charge Waiver: Get a 1% waiver on fuel charges.
Fees & Charges
- Joining Fees: ₹500 + GST
- Annual Fees: ₹300 + GST
Documents Needed
- ID Proof
- Address Proof
- Income Proof
- Valid PAN Card
Eligibility Criteria
- Age: 21-65 years
- Employment Status: Salaried or Self-Employed
- Minimum Income: ₹30,000 per month
- Credit Score: 650+
- New to Credit: Allowed only for Salaried individuals
- Preferred: Existing credit card holders
- Payment History: No delayed payments in the last 12 months
- Citizenship: Indian or Non-Resident Indian
How to Apply
- Click Here to be redirected to the SBI Bank Credit Cards page.
- Click on Start Apply Journey and provide the required details.
- Submit your application and receive an application number.
- Save the application number for future reference.
- An SBI representative will call you within 2-4 days to complete the fulfillment process.