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Here are a few factors

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Check Here Some Exciting Perks 

  • Gift voucher worth INR 500 on card activation within the first 37 days of card issuance.
  • Each year, you will receive eight complimentary passes to choose IRCTC Executive Lounges.

Spend and enjoy the fun of gaining reward Points!

  • 1 Reward Point for Every Rs. 100 Spend.
  • 5% cashback on Train Ticket bookings via HDFC Bank SmartBuy

Required Documents

PAN card photocopy or Form 60

Latest payslip/Form 16/IT return copy as proof of income

Residence proof (any one of the following):

Passport

Driving License

Ration card

Electricity bill

Landline telephone bill

Benefits of HDFC BankIRCTC Credit Card

  • Low joining fee.
  • Low Annual fee.
  • Zero Add-on card fee.
  • Voucher worth INR 500 on quarterly spends of INR 30,000.

Eligibility to Apply for HDFC BankIRCTC Credit Card

  • Primary cardholder must be between the age of 21 years to 65 years
  • Add-on cardholders should be over 18 years.
  • Income of the salaried applicant must be Rs. 25,000 per month and Rs. 6,00,000 per annum for the self-employed.
  • Resident Indian

In Case of Any Query

Call: 1800 202 6161 or 1860 267 6161

Mail: [email protected]

FREQUENTLY ASKED QUESTIONS

Copyright 2026 Upnivaa Fintech Private Limited

Disclaimer: Upnivaa Fintech Private Limited  is not a bank or NBFC and does not provide loans directly. We act solely as a facilitator, connecting users with financial institutions, and also provide business opportunities across multiple domains including travel, recharge, CA/legal services, insurance, and utilities.Disclaimer: Upnivaa Fintech Private Limited  is not a bank or NBFC and does not provide loans directly. We act solely as a facilitator, connecting users with financial institutions, and also provide business opportunities across multiple domains including travel, recharge, CA/legal services, insurance, and utilities.Disclaimer: Upnivaa Fintech Private Limited  is not a bank or NBFC and does not provide loans directly. We act solely as a facilitator, connecting users with financial institutions, and also provide business opportunities across multiple domains including travel, recharge, CA/legal services, insurance, and utilities.Disclaimer: Upnivaa Fintech Private Limited  is not a bank or NBFC and does not provide loans directly. We act solely as a facilitator, connecting users with financial institutions, and also provide business opportunities across multiple domains including travel, recharge, CA/legal services, insurance, and utilities.Disclaimer: Upnivaa Fintech Private Limited  is not a bank or NBFC and does not provide loans directly. We act solely as a facilitator, connecting users with financial institutions, and also provide business opportunities across multiple domains including travel, recharge, CA/legal services, insurance, and utilities.Disclaimer: Upnivaa Fintech Private Limited  is not a bank or NBFC and does not provide loans directly. We act solely as a facilitator, connecting users with financial institutions, and also provide business opportunities across multiple domains including travel, recharge, CA/legal services, insurance, and utilities.Disclaimer: Upnivaa Fintech Private Limited  is not a bank or NBFC and does not provide loans directly. We act solely as a facilitator, connecting users with financial institutions, and also provide business opportunities across multiple domains including travel, recharge, CA/legal services, insurance, and utilities.Disclaimer: Upnivaa Fintech Private Limited  is not a bank or NBFC and does not provide loans directly. We act solely as a facilitator, connecting users with financial institutions, and also provide business opportunities across multiple domains including travel, recharge, CA/legal services, insurance, and utilities.Disclaimer: Upnivaa Fintech Private Limited  is not a bank or NBFC and does not provide loans directly. We act solely as a facilitator, connecting users with financial institutions, and also provide business opportunities across multiple domains including travel, recharge, CA/legal services, insurance, and utilities.Disclaimer: Upnivaa Fintech Private Limited  is not a bank or NBFC and does not provide loans directly. We act solely as a facilitator, connecting users with financial institutions, and also provide business opportunities across multiple domains including travel, recharge, CA/legal services, insurance, and utilities.Disclaimer: Upnivaa Fintech Private Limited  is not a bank or NBFC and does not provide loans directly. We act solely as a facilitator, connecting users with financial institutions, and also provide business opportunities across multiple domains including travel, recharge, CA/legal services, insurance, and utilities.Disclaimer: Upnivaa Fintech Private Limited  is not a bank or NBFC and does not provide loans directly. We act solely as a facilitator, connecting users with financial institutions, and also provide business opportunities across multiple domains including travel, recharge, CA/legal services, insurance, and utilities.