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IRCTC RBL Credit Card

3 from 3324 Users

All Card USPs

Book Train Tickets

Earn 5 points per ₹200 spend on booking train tickets through IRCTC website or app.

1 Reward Point = ₹1 on IRCTC Redemptions

making reward points directly usable for train ticket bookings through IRCTC’s Pay by Points feature.

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 )

N/A

Eligibility

Age Criteria

21-65 years

Salary Criteria

3 LPA

Credit Rating*

750+

See if you are eligible for this card

Pin Code*

​

Monthly In Hand Income*

​₹
​

Income Type*

Salaried
Self

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

StructureDetails
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

3.5%
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).

2.5%
Reward Redemption Fees

₹99 + GST per day for reward redemptions

₹99
Link for all T&Cs
Click Here
Railway Surcharge

A 1.8% surcharge is levied on railway ticket bookings.

1.8%
Rent Payment Fees

A 1% fee applies on rent payment transactions.

1%
Cheque Payment Fees

₹500 cheque return/auto-debit reversal fee.

N/A
Cash Payment Fees

₹100 cash payment fee per deposit.

₹100
Late Payment Fees Amount Due

Apply for this card

TOP USPs

Book Train Tickets

Earn 5 points per ₹200 spend on booking train tickets through IRCTC website or app.

1 Reward Point = ₹1 on IRCTC Redemptions

making reward points directly usable for train ticket bookings through IRCTC’s Pay by Points feature.

Apply Now