Welcome Benefits :- The card offers you an Amazon voucher worth Rs. 500 if you activate your card and make the first transaction within the first 30 days of the card issuance.​

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Rewards & Benefits :- 

Movie & Dining

NA

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Rewards Rate

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

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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.

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Travel 

Get 8 complimentary access to IRCTC Executive Lounges.

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Domestic Lounge Access

NA

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International Lounge Access

NA

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Fees & Charges :- 

Spend-Based Waiver

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

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Rewards Redemption Fee

Nil

Foreign Currency Markup

3.6% + GST

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Interest Rates

3.75% per month (45% annually)

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Fuel Surcharge

1% of the fuel surcharge will be waived off on fuel transactions.

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Cash Advance Charges

Higher of 2.5% of the amount withdrawn or Rs. 500.

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Product Details :- 

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• 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.

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Pros/Cons :-

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Pros

• Highly beneficial card for frequent travels with complimentary access to Executive Lounges of IRTC (8 in a calendar year).

• 5 reward points on each ₹100 spent on the IRCTC website and app and an additional 5% cashback on train ticket purchases through HDFC SmartBuy.

Cons

• There is a minimum 100-point limit for redemption of rewards.

• The reward points can only be used to purchase train tickets on the HDFC SmartBuy platform.