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HDFC Bank RuPay IRCTC Credit Card

HDFC Bank RuPay IRCTC Credit Card

  • Joining Fee :

    Rs. 500 + GST

  • Renewal Fee :

    Rs. 500 + GST

  • Reward Type :

    Reward Points

Welcome Benefits

Amazon voucher worth Rs. 500 on making the first transaction within the first 30 days.

Best suited for

Travel

Product Details

  • Amazon voucher worth Rs. 500 as a welcome benefit.

  • 1 Cash Point for every Rs. 100 spent on retail purchases.

  • 5x Cash Points on IRCTC spends.

  • Complimentary railway lounge access every year.

  • Spend-based waiver of the renewal fee.

  • 1% fuel surcharge waiver.

Rewards & Benefits

  • Movie & Dining

  • NA

  • Rewards Rate

  • 1 Cash Point for every retail spend of Rs. 100 and 5x Cash Points on IRCTC bookings.

  • Reward Redemption

  • The earned Cash Points can be redeemed against travel bookings via IRCTC and several other options. 1 Cash Point = up to Re. 1.

  • Travel

  • Get 8 complimentary access to IRCTC Executive Lounges.

  • Golf

  • NA

  • Domestic Lounge Access

  • NA

  • International Lounge Access

  • NA

  • Insurance Benefits

  • NA

  • Zero Liability Protection

  • The cardholders get a zero liability protection against a lost/stolen card if reported to the bank in a timely manner.

Fees & Charges

  • Spend Based Waiver

  • The renewal fee is waived on spending Rs. 1.5 lakhs or more in the previous year.

  • Rewards Redemption Fee

  • Nil

  • Rewards Redemption Fee

  • Nil

  • Foreign Currency Markup

  • 3.5% of the transaction amount

  • Interest Rates

  • 3.6% per month.

  • Fuel Surcharge

  • 1% fuel surcharge waiver on all fuel transactions.

  • Cash Advance Charges

  • 2.5% of the cash amount or Rs. 500 (whichever is higher)

  • Add-on Card Fee

  • Nil

Live UPI withdrawals

₹20 is the minimum earnings required for withdrawal

3 Simple Steps to Earn FreeUPIcash
1
Login

It's just one click process to login with your Google account.

2
Shop through us

Search for the retailer you want to shop on, go to retailer and shop normally as you would otherwise do.

3
Earn freeupicash

We track your transaction on the retailer website and credit freeupicash to your account.

India's Largest FreeUPIcash Platform

30+
Ways to earn
1500+
Retailer partners
₹20
Min. withdrawal amount ( UPI )