28th January 2025

Terms & Conditions – IRCTC HDFC Bank Credit Card

HDFC Bank Reward Point Proposition:

• HDFC Bank Reward Points will be awarded in the customer’s credit card account under the Reward Points
scheme.
• HDFC Bank Reward Points will be awarded against spends in multiples of INR 100 for e.g. A customer transacting
INR 150 on Grocery purchase will be rewarded 1 reward point and a customer spending 200 on Grocery will be
rewarded 2 points.
• The HDFC Bank Reward Points will be processed as per the following table:
Type of Spends Reward Points
Non-EMI Retail Spends on IRCTC Web and App 5X HDFC Bank Reward Points*

Non-EMI Retail Spends on non IRCTC platform 1X HDFC Bank Reward Points*

• 1 HDFC Bank Reward Point = INR 1 (for transactions made through Points + Pay on HDFC Bank SmartBuy)

HDFC Bank Reward Points will not be accrued for the following spend 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

For Example:

HDFC Bank Additional

Reward Cash
No Transaction Merchant Amount Reward Reward
Points Back
Points Points
Train ticket purchase on IRCTC Web 5X Reward Point
1 1-Mar 10,000 100 400 0
and App
2 1% Transaction Charges Reversal
3-Mar 100

Merchant EMI – Principal Amount 1X Reward

3 5-Mar 2,000 20 0 0
Points
Merchant EMI – Interest Amount
4 7- Mar 2,000 NA 0 0 0

Normal Purchase on Grocery 1X Reward

5 8-Mar 2,000 20 0 0
Store Points
Normal Purchase on Apparel 1X Reward
6 10-Mar 3,000 30 0 0
Store Points
Train Ticket purchase from HDFC 5X Reward
7 15-Mar 10,000 100 400 500
Bank SmartBuy Points
5% Cash Back

Cancellation of Train Ticket 5X Reward Point

8 18-Mar 2,000 -20 -80 0
purchased on IRCTC App
9 20-Mar Fuel Transactions 1,000 NA 0 0 0
 10 22-Mar 1%Fuel Surcharge Waiver 10
Total 32,000 250 720 610

* HDFC Bank Reward Points will be earned on spends of INR 100 (INR 100=1 HDFC Bank Reward Point)

HDFC Bank Reward Points on IRCTC and Other Spends

• The HDFC Bank Reward Points will be posted on statement cycle basis.
• The transaction settled from the merchant will be eligible for HDFC Bank Reward Points and settlement/Posting
date of the transaction will be considered for points calculation.
• HDFC Bank Reward Points earned will be computed based on transactions settled during the statement period
minus any returns or refunds during the same period.
• In case of any cancellation, the HDFC Bank Reward Points provided for the transaction will be reversed/adjusted.
• In case the purchase/transaction is returned/cancelled/reversed post statement cycle completion, then the
equivalent HDFC Bank Reward Points will be reversed/adjusted under the additional Points category in the next
statement cycle.
• Only EMI principal amount will be rewarded with HDFC Bank Reward Points. Interest, processing fees & GST
amounts will not be eligible for HDFC Bank Reward Points.
• A cardholder will not be eligible for HDFC Bank Reward Points on prepaid card/gift Card/ wallet load and / or
voucher purchases. i.e., the transactions carried out through the
Merchant Category Code (MCC) of 6540 (as defined by card networks Visa, MasterCard and RuPay) will be not
considered for HDFC Bank Reward Points even if it is from these merchants.
• HDFC Bank Reward Points will be calculated and posted on nearest round integer, for example INR 100
transaction will be calculated as (INR 100 = 1 HDFC Bank Reward Points, Fractional HDFC Bank Reward Points
will not be accrued.)

• 5X HDFC Bank Reward Points on IRCTC spends will be calculated as 1X base HDFC Bank Reward Points + 4X
additional HDFC Bank Reward Points on IRCTC spends made through IRCTC Ticketing Website/ Rail Connect App
and HDFC Bank SmartBuy

• 5X HDFC Bank Reward Points on IRCTC spends are calculated basis the Merchant IDs (MIDs), Terminal IDs (TIDs)
and MCC (Merchant Category Code) shared by the respective merchant partners. If in case the TID is not
available in the set-up, such transactions will not qualify for the benefit.

• The accrual of the 5X HDFC Bank Reward Points on partner IRCTC spends is capped maximum at 1000 Reward
Points per month and 12000 Reward Points Annually.

Cashback on HDFC Bank SmartBuy.

• 5% Additional Cashback would be received on IRCTC Train Ticket booking made via HDFC Bank SmartBuy

• 5% Cashback on HDFC Bank SmartBuy would be in addition to the 5X HDFC Bank Reward Points earned for IRCTC
Train ticket booking

• The accrual of the 5% Cashback on IRCTC Train Ticket booking made via HDFC Bank SmartBuy is capped
maximum at INR 1000 per month and INR 12000 Annually.

Milestone Benefit as Gift Voucher.

• Gift Voucher worth INR 500 on quarterly(every 90 days from the issuance date) spends of more than INR 30,000
or more.
• The transaction settled from the merchant will be eligible for calculation on spends in 90 days and
settlement/Posting date of the transaction will be considered for this offer.
• In case the purchase/transaction is returned/cancelled/reversed/ disputed/ in between cycle completion, then
the spends aggregation for gift voucher will not be considered for this offer.
 • The spend milestone program is valid for retail transactions only. Cash transactions, Dial-AnEMI, Cash-on-Call,
Balance Transfer, Card Account Fee, Personal Loan on Credit Card, etc will not be considered for this offer.

Welcome Benefit as Gift Voucher on IRCTC and other Spends – Terms & Conditions
• Welcome Gift voucher worth INR 500 on card activation by performing 1 transaction of any amount within first
37 days of card issuance. Welcome benefit will not be provided in case of LTF (Lifetime Free Card) or First year
free card or if any fee reversal is provided.
• The transaction settled from the merchant will be eligible for calculation of spend and settlement/Posting date of
the transaction will be considered for this offer.

HDFC Bank Reward Point Redemptions –Terms & Conditions

• Monthly statement will give breakup of HDFC Bank Reward Points accrued and available with the Bank.
• HDFC Bank Reward Points can be used for Train ticket booking via smart buy
• HDFC Bank Reward Points may not be exchanged or utilized by another IRCTC Member, either with a Participating
Venture or with any individual, for cash, prizes, or credit.
• HDFC Bank Reward Points will expire in 2 years after customer’s last transaction involving an eligible earn or use of
HDFC Bank Reward Points (even if it’s just one HDFC Bank Reward Points earned or used)

inclusive of fares of all the passengers and service charges levied by

IRCTC.

On successful Points redemption HDFC Bank Credit Card will be charged Rs. 99 + GST on the
REDEMPTION ON HDFC BANK SMARTBUY
How to redeem? Applicable Brands
On HDFC Bank SmartBuy

Reward point redemption for train ticket booking

- Login to HDFC Bank SmartBuy and select IRCTC HDFC Bank Credit Card
under Privileges.
- After entering the details of the journey move to the payment page to
make payment Train Ticket Bookings using
reward points via
- At payment gateway, the customer can see option to pay with Points HDFC Bank SmartBuy
+ Pay with Credit Card or Pay with Credit Card.
- On the next payment page, the customer can see the Reward Point
Slider which can be used to add the number of reward points for
redemption.
- Redemption can be made only against 70% of fare ticket amount on
train ticket booking via HDFC Bank SmartBuy,
 •
credit card. But this could change subject to HDFC Bank’s terms and conditions.
• Customer would need min 100 points to redeem.

Example of Accrual of HDFC Bank Rewards Points

Statement Transactions in HDFC Bank Reward Period of Transaction Considered for Accrual of HDFC Bank
Cycle Statement Point Reward Point

Transactions having Base HDFC For eligible transactions having settlement date between 1st June – 30th
settlement date Bank Reward June, Base HDFC Bank Reward Points will be posted in 1st July
1st Jul between Points Statement cycle and will be available for redemption.

1st June – 30th June Accelerated For eligible transactions having settlement date between 1st June – 30th
HDFC Bank June, Additional HDFC Bank Reward Point will be posted in 1st Jul
Reward Points Statement and will be available for redemption.

Transactions having Base HDFC For eligible transactions having settlement date between 13th June – 12th
settlement date Bank Reward July, Base HDFC Bank Reward Points will be posted in 13th July
between Points Statement and will be available for redemption.
13th Jul
13th June - 12th July Accelerated For eligible transactions having settlement date between 1st June– 30th
HDFC Bank June, Additional HDFC Bank Reward Points will be posted in 13st July
Reward Points Statement and will be available for redemption.

Other Benefits –Terms & Conditions

• Fuel Surcharge Waiver- 1% Fuel Surcharge waiver on fuel transactions (Minimum transaction of ₹400, Maximum
transaction of ₹5,000 & Maximum waiver of ₹250 per statement cycle). Fuel surcharge varies from 1% of fuel
transaction amount, the rate of surcharge may vary depending on the fuel station and their acquiring bank. Taxes as
applicable shall apply further. In any case, Bank shall be giving a maximum waiver of 1% in case of any dispute, subject
to applicable limits as mentioned above.
• Transaction Charges Waiver - 1% Transaction surcharge would be reversed on bookings made via IRCTC
Website/Mobile App. It is capped at maximum INR 1000 per month.
• SmartBuy cashback offers are dynamic and may change in future on the discretion of HDFC Bank.
• Renewal Fee Waiver: Renewal fee of INR 500 + GST applicable will be waived of on spends of INR 1,50,000 or more in
a year before Renewal Fee date.
• Grocery: The accrual of the 1X HDFC Bank Reward Points on grocery is capped maximum at 1000 Reward Points per
month and 12000 Reward Points Annually.
• UPI Transaction 1X on every Rs.100 Spends for UPI transactions is capped maximum at 500 reward points per month.
• IRCTC Executive Lounge Access Feature of the card Click Here
• For quick access to Most Important Terms & Conditions and Fees and Charges Click here
• For quick access to Card Member Agreement, Click here

Rental Transactions:
If you use services like (but not limited to) CRED, PayTM, Cheq, MobiKwik, Freecharge, and others to pay rent, a
1% fee will be charged on the transaction amount and capped at ₹3000 per transaction.

Category Merchant Category Codes (MCC)

Rent 6513

Fuel Transactions:
Consumer Cards:If you spend less than ₹ 15000 per transaction on fuel, no additional fee will be charged.
However, if you spend more than ₹15,000 per transaction on fuel, a 1% fee will be charged on the entire amount
and capped at ₹3000 per transaction.
Business Cards:If you spend less than ₹ 30000 per transaction on fuel, no additional fee will be charged.
However, if you spend more than ₹30,000 per transaction on fuel, a 1% fee will be charged on the entire amount
and capped at ₹3000 per transaction.

Category Merchant Category Codes (MCC)

Fuel 1361,5172,5541,5542,5983,9752

Utility Transactions:
Consumer Cards: If you spend less than ₹ 50,000 per transaction on Utilities, no additional fee will be charged.
However, if you spend more than ₹50,000 per transaction on utilities, a 1% fee will be charged on the entire
amount and capped at ₹3000 per transaction.
Business Cards: If you spend less than ₹ 75,000 per transaction on Utilities, no additional fee will be charged.
However, if you spend more than ₹75,000 per transaction on utilities, a 1% fee will be charged on the entire
amount and capped at ₹3000 per transaction.

Category Merchant Category Codes (MCC)

Utility 4900

Insurance transactions will not be considered as Utility transactions and hence no charge will be applicable.

Educational Transactions:
If you make education payments through college/school websites or their POS machines, there will be no fees.
International education payments are excluded from this charge. However, on education payments through third-
party apps like (but not limited to) CRED, PayTM, Cheq, MobiKwik and others, a 1% fee will be charged and
capped at ₹3000 per transaction.

Category Merchant Category Codes (MCC)

Education 8211,8220,8241,8244,8249,8299

International / Cross Currency Transactions:

If you make an International / Cross currency transaction, a 3.5% markup fee will be applicable.
*Mark up fee will remain 2% for Infinia, Infinia (Metal Edition), Diners Black, Diners Black (Metal Edition), Biz
Black Metal Card, Regalia Gold, BizPower, Tata Neu Infinity HDFC Bank and 2.5% mark-up fee for 6E Rewards
Indigo XL.
Late Payment:
Our late payment fee structure has been revised as follows:

Outstanding Amount Slab Revised Charges

< = ₹ 100 Nil

₹ 101 - 500 ₹ 100

₹ 501 - 1000 ₹ 500

₹ 1001 - 5000 ₹ 600

₹ 5001 - 10000 ₹ 750

₹ 10001 - 25000 ₹ 900

₹ 25001 - 50000 ₹ 1,100

> ₹ 50000 ₹ 1,300

Rewards Redemption towards Statement Credit:

If you redeem your rewards towards statement credit (CashBack), a ₹50 redemption fee will be charged.
Rewards Redemption charge will not be applicable for Infinia, Infinia (Metal Edition), Diners Black, Diners Black
(Metal Edition), BizBlack Metal,Swiggy HDFC Bank,Flipkart Wholesale.
Finance Charges:
If you avail the revolving credit facility & hence choose to pay an amount less than the total amount due reflected
in the monthly billing statement, finance charges of 3.75% (per month) will be applicable from the transaction
date till the outstanding balance is paid in full. Applicable to all retail & cash transactions.
* Finance charge will remain 1.99% (per month) for Infinia, Infinia (Metal Edition), Diners Black, Diners Black
(Metal Editio) BizBlack Metal.

Easy-EMI Processing Fee:

If you avail the Easy-EMI option at any online / offline store, EMI processing fee of up to ₹299 will be charged.

All fees are subject to GST as per government regulations.

The Merchant Category codes are defined by the network (Visa, Master Card, Rupay, Diners). HDFC Bank does
not define the merchant category.
The above-mentioned charges are not applicable to Pixel Credit cards.
Only Rental Transaction Charge will be applicable to Commercial Credit Cards.
For more details, kindly refer to MITC <link>