IRCTC RBL Bank Credit Card
Travel
Co-branded
Reward Points
1st Year Fee: ₹500* Plus Applicable Taxes
Co-branded
Up to 2.5% savings on IRCTC spends
Milestone Rewards
Up to 2,000 bonus reward points per year
Lounge Access
Up to 8 railway lounge visits per year
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About IRCTC RBL Bank Credit Card
IRCTC RBL Bank Credit Card is a co-branded card that offers accelerated savings and multiple benefits on IRCTC bookings. With up to 5X rewards on co-branded railway spends, train cancellation protection, railway lounge benefits and train transaction fee waiver, you can use this RBL credit card to make your train travels more rewarding. Moreover, unlike other IRCTC credit cards, such as SBI IRCTC Platinum and IRCTC HDFC, which limit their accelerated benefits to IRCTC transactions only, this card also offers 1.5% value-back on FASTag recharges, along with the base reward rate on other card spends. You can later redeem the accumulated reward points on IRCTC at a ratio of 1:1 which is the same as other IRCTC co-branded credit cards. Read on to know more about the benefits and features offered by IRCTC RBL Bank Credit Card.
Note: This Card is not available on Paisabazaar. The content on this page is for information only. To express interest in this card, please visit RBL Bank’s website.
Rewards Program
- 5X Reward Points: On train ticket bookings made on IRCTC website or mobile app, up to 1,000 reward points per month
- 3X Reward Points: On FASTag recharge made through RBL Bank digital channels, NCMC reload or UTS app, up to 1,000 reward points per month
- 2X Reward Points: On flight and hotel bookings made on IRCTC website or mobile app, up to 1,000 reward points per month
- 1X Reward Points: 1 reward point per Rs. 200 spent on other spends1
- Redemption Value: 1 Reward Point = Rs. 1 for IRCTC bookings
- Redemption Option: Train ticket bookings using ‘Pay by Points’ functionality on IRCTC app or website, or against products available on the RBL Rewards platform
Other Features & Benefits
- Welcome Benefit: 500 reward points on making a spend worth above Rs. 500 within 30 days of card issuance
- Milestone Benefits: 500 reward points on reaching quarterly spends of Rs. 75,000
- Complimentary Lounge Access: Up to 8 visits to IRCTC Executive lounges at select railway stations, capped at 2 per quarter
- Train Cancellation Shield2: Cancellation protection cover worth up to Rs. 5,000 on trains cancelled by India Railways within 24 hours of the scheduled train time
- Transaction Fee Waiver: Reversal of transaction charges of 1%, up to Rs. 200 per month, on train ticket bookings of up to Rs. 5,000
IRCTC RBL Credit Card: Fees & Charges
| Particulars | Amount |
|---|---|
| Joining/Annual Fee | Rs. 500 + Applicable Taxes |
| Finance Charges | Up to 3.99% p.m. or up to 47.88% p.a. |
| Late Payment Charges | 12.5% of total outstanding amount, subject to a min. of Rs. 5 and max. Rs. 1,300 |
Things to Know Before you apply
Get this card if:
You frequently travel using train and prefer IRCTC website or app to make your ticket bookings
You are comfortable with redeeming all your accrued reward points against IRCTC bookings
You want a decent value-back on FASTag recharges, but do not mind low savings on all other spends, like shopping, dining, movies, groceries, and others
Similar Credit Cards:
IRCTC SBI Platinum Credit Card
IRCTC HDFC Bank Credit Card
IRCTC BoB Rupay Credit Card
IRCTC SBI Card Premier
Paisabazaar Review
What do we like about this card?
IRCTC RBL Credit Card is tailored for those who frequently travel by train and prioritise earning high rewards on railway bookings. With this card, users can earn 2.5% value-back on train ticket bookings, 1.5% on FASTag recharges and 1% on flights and hotels booked via IRCTC. The low joining fee of Rs. 500 is also compensated with rewards points worth the same value as joining bonus. Moreover, milestone bonus of up to 2,000 reward points can be unlocked even by low spenders. In addition to the rewards program, cardholders can also avail other railway benefits like complimentary railway lounge access, train cancellation cover and transaction fee waiver on IRCTC bookings, thus making this card a good option to save on railway travels.
Pros
- 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
Cons
- 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
Footnotes
- Spends made on the following categories are excluded from rewards accrual: fuel and auto, insurance, utilities, cash withdrawal, real estate or rent, govt., quasi-cash, education, wallets or service providers, contracted services, EMIs, fees and charges, GST and miscellaneous.
- A maximum of 1 claim is covered every 6 months.
Click here to know More Terms and Conditions
Lepakshi Phogat
Lepakshi is a content writer specialising in personal finance and credit cards. She translates complex financial concepts into practical advice, helping readers make informed financial decisions. Whether it is helping them choose the right credit card or offering strategies to build their credit score, she writes to make personal finance less intimidating and more empowering.
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