IRCTC RBL Credit Card

Best For

Travel

Joining/Annual Fees

Joining Fees

₹590 ( ₹500 + GST )

Pay ₹500 and get 500 reward points as a welcome benefit, effectively waiving the joining fee.

Annual Fees

₹590 ( ₹500 + GST )

The annual fee is not waived under any spending conditions.

Eligibility

Age Criteria

21-65 years

Salary Criteria

3 LPA

Credit Rating*

750+

See if you are eligible for this card

How to redeem?

Rewards Conversion Rate

1 Reward Point = ₹1

Redemption Options

Redeem your reward points on the IRCTC Website or Mobile App for train ticket bookings

To check redemption catalogue

Click Here

All Card Benefits

All Benefits

Earn 5 Reward Points for every ₹200 spent on train ticket bookings via IRCTC website or mobile app, up to 1,000 points per month
Earn 3 Reward Points for every ₹200 spent on FASTag recharge via RBL Bank digital channels, NCMC reload or UTS app, up to 1,000 points per month
Earn 2 Reward Points for every ₹200 spent on flight and hotel bookings via IRCTC website or mobile app, up to 1,000 points per month
Earn 1 Reward Point for every ₹200 spent on all other eligible purchases
Reward Points redemption value is ₹1 per point for IRCTC bookings using Pay by Points or via the RBL Rewards Platform
Welcome benefit of 500 Reward Points on spending ₹500 or more within 30 days of card Issuance
Milestone benefit of 500 Reward Points on reaching quarterly spends of ₹75,000
Up to 8 complimentary IRCTC Executive railway lounge visits per year, capped at 2 per quarter
Train cancellation protection cover worth up to ₹5,000 for eligible cancelled trains
Reversal of IRCTC transaction charges of 1% on train ticket bookings, capped at ₹200 per month

Bank Exclusions

You will not earn points / cashback on spends in the following categories

For Points / Cashback Earnings

Cash Advances

ATM Cash Withdrawals

P2P Transfers

Quasi-Cash Transactions

Money Transfers

Wallet Loads

Gift Cards and Vouchers

EMI Spends

Interest Charges

Payment Returned Charges

Service/Interest Charges

Transaction Charges

Fuel Spends

Forex Transactions

Cryptocurrency/Digital Asset Transactions

Government-Related Transactions

Railways Transactions

Lottery

Toll Payments

Online Skill-Based Gaming

For Spends Waiver

Fuel Spends

Gift Card & Vouchers

Tax Payments

Insurance Payments

Bank Fee Structure

Structure	Details
Forex Markups 3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. Examples (3.5%): ₹100 → ₹3.5 ₹1,000 → ₹35 ₹10,000 → ₹350 ₹1,00,000 → ₹3,500	3.50%
APR Fees Finance charges of 3.99% per month (47.88% per annum) apply on unpaid outstanding balances until the amount is fully repaid.	3.99%
ATM Withdrawl 2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable).	2.50%
Reward Redemption Fees A reward redemption handling fee of ₹99 plus applicable GST is charged per redemption request.	₹99
Link for all T&Cs	Click Here
Railway Surcharge A railway booking surcharge of 1.80% for online transactions and 2.50% for other bookings is applied, with additional bank charges and taxes recovered at actuals.	1.80%
Rent Payment Fees 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges	1%
Cheque Payment Fees No cheque payment fee is charged	Not Applicable
Cash Payment Fees ₹100 cash payment fee per deposit.	₹100

Late Payment Fees Additional ₹100 is charged if Minimum Amount Due remains unpaid for two consecutive cycles, continuing until cleared	Amount Due
₹0 - ₹500	₹0
₹501 - ₹5,000	₹500
₹5,001 - ₹10,000	₹700
₹10,001 - ₹25,000	₹950
₹25,001 - ₹50,000	₹1,100
₹50,001+	₹1,300