Benefits of IndusInd Bank IRCTC Platinum Credit Card

• 1. Railway Travel Benefits:
  • IRCTC Co-Branding: Designed for frequent train travelers with seamless integration for railway bookings.
  • Reward Points Redemption: Earn and redeem points for IRCTC ticket bookings, effectively reducing travel costs.
• 2. Financial Savings:
  • Fuel Surcharge Waiver: 1% savings on fuel spends between ₹500-₹3,000 (up to ₹100/month).
  • Lifetime Free: No annual fees mean long-term savings.
  • Low Forex Markup: Only 1.8% on international transactions vs standard 3.5%.

How to Apply for IndusInd Bank IRCTC Platinum Credit Card

• Online Application: Visit the IndusInd Bank website → Credit Cards → IRCTC Platinum Credit Card → Apply Now.
• Check Eligibility: Enter name, mobile number, email, city, and income details to check eligibility (₹25,000+ monthly income preferred).
• Fill Application Form: Provide personal, employment, and address information accurately, including PAN and income details.
• OTP Verification: Authenticate your mobile number using the One-Time Password sent by the bank.
• Upload Documents: Upload scanned or digital copies of PAN card, Aadhaar, income proof (payslips/bank statements), and passport-size photo.
• Video KYC: Schedule and complete a quick video call with a bank official while presenting original documents.
• Digital Signature: E-sign the form using Aadhaar-based OTP or other approved digital methods.
• Submit Application: Review all details and submit the application. Note the application reference number for tracking.
• Verification & Approval: Bank verifies your documents, credit score, and eligibility. Approval generally takes 5–7 working days.
• Card Issuance: Once approved, receive a physical card within 5 days and a virtual card for immediate online use.
• Alternate Application Methods:
• IndusMobile App: Log in or register → Navigate to Credit Cards → Select IRCTC Platinum Card → Fill form and upload documents → Complete Video KYC and submit.
• Third-Party Portals: Apply via trusted platforms like BankBazaar or Paisabazaar by checking eligibility and uploading documents online.
• Branch Visit: Visit the nearest IndusInd Bank branch → Fill out a physical application form → Submit hard copies of required documents.
• Tips to Improve Approval Chances:
• Maintain a CIBIL score of 750+ and avoid recent loan/credit card rejections.
• Ensure consistent and accurate information across documents.
• Provide valid income proof like 3-month bank statements or salary slips.

Eligibility Criteria for IndusInd Bank IRCTC Platinum Credit Card

• 1. Age Requirements:
  • Primary Applicant: 21–65 years
  • Add-On Cardholders: Minimum 15 years
• 2. Income Criteria:
  • Minimum Annual Income: ₹3 lakh (may vary based on profile)
  • Salaried: Employment with a reputed organization is preferred
  • Self-Employed: Proof of stable business and consistent income is required
• 3. Employment Status:
  • Salaried: Recent salary slips or employer letter as proof
  • Self-Employed: Audited financials or P&L statements as evidence
• 4. Credit Profile:
  • Preferred CIBIL Score: ≥750 for strong approval chances
  • No past defaults, write-offs, or bankruptcies
• 5. Nationality & Residency:
  • Open to both Resident Indians and NRIs
  • NRIs: Must provide valid passport and overseas address proof
• 6. Residential Address:
  • Permanent address in India is mandatory
  • If different from Aadhaar, additional proof (utility bill/rent agreement) is needed
• 7. Financial Stability:
  • Stable income source and credit discipline required
  • Good repayment history enhances approval prospects
• 8. Relationship with IndusInd Bank:
  • Existing account/fixed deposit holders may get easier approval
  • FD linkage may allow relaxed income criteria
• 9. Documentation Capability:
  • Mandatory KYC: PAN, Aadhaar, address, and income proofs
  • Photographs and signed application form required
• 10. Credit History Cleanliness:
  • Applicants should have no history of payment defaults or bankruptcy filings