Compare : IRCTC BOBCARD RuPay Credit Card vs IRCTC RBL Bank Credit Card

500 reward points on spending Rs. 5,000 within first 60 days

Bonus 500 reward points

Up to 40 reward points per Rs. 100 spent on train bookings via IRCTC website or mobile app

4 reward points for every Rs. 100 spent on departmental stores

2 reward points for every Rs. 100 spent on other categories

5X reward points on train bookings made on IRCTC website or mobile app

3X reward points on FASTag recharge made via RBL Bank digital channels, NCMC reload or UTS app

2X reward points on flight and hotel bookings made on IRCTC website or app

1 reward point per Rs. 200 spent on other spends

1 Reward Point = Rs. 1 for IRCTC bookings

Up to 4 complimentary railway lounge visits every year (1 per quarter)

Up to 8 complimentary railway lounge visits in a year

Up to 10% value-back on IRCTC bookings

2X reward points on day-to-day spends

Complimentary railway lounge access (up to 4 visits per year)

1% railway transaction surcharge waiver on IRCTC bookings

Conversion of reward points into IRCTC Travel Points

5X rewards on train ticket bookings using IRCTC website/app with 1% transaction fee waiver

Up to 8 complimentary railway lounge visits per year

Accelerated rewards on online FASTag recharges

Rewards redemption ratio of 1:1

Up to 2,000 reward points as milestone bonus

Low reward redemption value (1 RP = Rs. 0.25)

No annual fee waiver benefit

Low reward rate of 0.5% on other spends

Rewards redemption is only limited to IRCTC bookings

Low base reward rate of just 0.5% on most of the everyday spends, including major categories like shopping, dining, entertainment, etc.

Capping on accelerated rewards

Consumers who frequently travel via train and prefer to make bookings through IRCTC

Those who frequently travel by train and prioritize earning rewards on rail bookings and do not seek any other travel-related benefits