 IRCTC HDFC Bank Credit Card offers cardholders attractive joining bonus, discounts on
bookings, lounge access among other benefits.
 Reward points across categories on online and offline purchases.
 Card will be launched in a single variant & available exclusively on NPCI’s Rupay network
 Offers exclusive benefits on bookings through IRCTC website & app
 Credit card customers can apply for the credit card through the websites of both IRCTC
and HDFC Bank
CHANDIGARH (PUNJAB), March 3, 2023: Indian Railway Catering and Tourism Corporation Ltd (IRCTC),
the public sector undertaking under the Ministry of Railways, and HDFC Bank, India’s largest
private sector bank today announced a partnership to launch one of India’s most rewarding
co-branded travel credit cards. Known as the IRCTC HDFC Bank Credit Card, the newly
launched co-branded card is in a single variant and is available exclusively on NPCI’s Rupay
network.

It will provide exclusive benefits and maximum savings on bookings of train tickets booked
through the IRCTC’s ticketing website and through IRCTC Rail Connect app. Additionally,
IRCTC HDFC Bank Credit cardholders will enjoy an attractive joining bonus, discounts on
bookings and access to the several executive lounges at railway stations across the country.

The card combines the strength of two leading Indian brands to deliver superior value and
an enhanced customer experience to travellers. It will leverage HDFC Bank’s expertise as
the market leader in card issuance in the country, offering its best-in-class rewards
programme, and IRCTC’s unmatched services on train travel.

The credit card was launched by Ms. Rajni Hasija, Chairman & Managing Director, IRCTC,
Mr. Parag Rao, Group Head – Payments, Consumer Finance, Digital Banking and IT, HDFC
Bank and Ms. Praveena Rai, COO, NPCI at a launch ceremony held at New Delhi.

Commenting on the association, Ms. Rajni Hasija, Chairman & Managing Director, IRCTC
said, “HDFC Bank is among the largest and most trusted banks in the country. We are delighted to partner with them for this initiative. The co-branded card offers exclusive access
to newly opened state-of-the-art lounges available at most of the major railway stations. The
credit card will help to streamline online transactions and at the same time offer best-in-class
benefits as well as experience to our customers.”

Parag Rao, Group Head – Payments, Consumer Finance, Digital Banking and It said,
“HDFC Bank is committed to providing best-in-class banking services to the nation. The
IRCTC HDFC Bank Credit Card will enable us to offer our card to millions of Indians across
the country. Indian Railways is one of the biggest public sector enterprises in the country
and we are delighted to be the first private sector bank to partner with IRCTC to enhance
customer experience for train travellers, right from the time of booking their tickets. As the
largest card issuer in the country, it is our endeavour consistently to find new ways to nurture
and support the payments ecosystem in India.”

Ms. Praveena Rai, Chief Operating Officer – National Payments Corporation of India
said, “At RuPay, we have customers at the heart of all our offerings & innovations. We are
happy to partner with IRCTC & HDFC Bank for a cobranded credit card which will offer
seamless payment convenience and appealing benefits to customers for rail travel as well as
their shopping needs. With RuPay Credit Cards now enabled on UPI for payments, this
cobranded card will provide impetus to further adoption and reach of digital payments across
India.”

Key features and benefits of the IRCTC HDFC Bank Credit Card include:
 Welcome Benefit – INR 500 Amazon voucher on card activation within 30 days of
card issuance
 5 Reward Points per Rs.100 spent on ticket bookings at www.irctc.co.in
 5% Cashback on booking via Smart Buy
 1 Reward Point per Rs.100 spent (not applicable on EMI, Fuel and Wallet re-load
txns, on rental payments and Government related transactions)
 8 Complimentary IRCTC Railway Lounge Access per year
 Additional reward Points on AC ticket booking
 INR 500 Welcome Gift voucher on card activation within 30 days of card issuance.
 Gift Voucher worth INR 500 on spends of INR 30,000 within 90 days
 1% Transaction charges waiver on IRCTC Website and App

Classifi
cation –
Interna
l

PRESS RELEASE

Classifi
cation –
Internal
IRCTC HDFC Bank co brand credit card customers can apply for the credit card through the
websites of both IRCTC and HDFC Bank and access key details of the card through the app
while enjoying a simple and even more rewarding experience. They can also walk in to the
nearest HDFC Bank branch to apply for the card.
Indian Railway Catering and Tourism Corporation Ltd. (IRCTC) is a “Mini Ratna (Category-I)”
Central Public Sector Enterprise under Ministry of Railways, Government of India. IRCTC
was incorporated on 27th September, 1999 as an extended arm of the Indian Railways to
upgrade, professionalize and manage the catering and hospitality services at stations, on
trains and other locations and to promote domestic and international tourism through
development of budget hotels, special tour packages, information & commercial publicity and
global reservation systems.