Train travel
IRCTC RBL Credit Card
A train travel card: about 2.5% back on IRCTC tickets (points worth ₹1 on IRCTC), lower booking charges, 8 railway lounge visits and train cancellation cover.
Joining fee₹500 + GST
Annual fee₹500 + GST
Fee waiverNone
Top rewardAbout 2.5% on IRCTC
Lounge8 railway lounges a year
Forex markup3.5%
Best for: Regular train travellers who book on IRCTC every month.
Rewards and cashback
| Where you spend | You earn | Limit |
|---|---|---|
| IRCTC train tickets | 5 points per ₹200 (about 2.5%) | – |
| FASTag and NCMC reloads | 3 points per ₹200 | – |
| Other spends | 1 point per ₹200 (about 0.5%) | – |
| Fuel, utilities, insurance, rent, education, wallet loads, government, EMI | Nothing | – |
- 1 point = ₹1 when used on IRCTC; no redemption fee.
- 1% IRCTC transaction charge refunded on tickets up to ₹5,000 (up to ₹200 a month).
Benefits
Welcome benefit
- 500 points on ₹500 spend within 30 days.
Milestones
- 500 points each quarter you spend ₹75,000 (up to 2,000 a year).
Travel and lounges
- 8 railway lounge visits a year (2 a quarter) at IRCTC lounges.
- Train cancellation cover up to ₹5,000, one claim every six months.
Fuel and forex
- Forex markup 3.5%.
- No fuel surcharge waiver.
Other perks
- RuPay card works on UPI
Fees and charges
| Joining fee | ₹500 + GST (₹590) |
|---|---|
| Annual fee | ₹500 + GST, no spend waiver |
| Interest | 3.99% a month |
| Forex markup | 3.5% |
GST at 18% applies on fees. Banks change charges from time to time; the bank’s own terms are final.
Who can apply
- Salaried or self-employed with income proof
You will usually need PAN, Aadhaar or address proof, and income proof (salary slips or ITR). A credit score of 750 or more improves your chances.
Pros and cons
What we like
- Points worth ₹1 on IRCTC
- Railway lounges
- Train cancellation cover
Watch out for
- No fee waiver
- Weak rewards outside IRCTC
- No fuel waiver
Recent changes
- 7 Jan 20261% fee on FASTag or toll payments above ₹10,000.
- 28 Aug 2024Card launched as a RuPay co-brand.
Frequently asked questions
IRCTC RBL or IRCTC SBI?
SBI gives about 8% on AC tickets; RBL gives about 2.5% on all classes plus cancellation cover and more railway lounge visits.
Ready to apply for the IRCTC RBL Credit Card?Applying takes about 10 minutes online. Approval depends on the bank.
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Sources: CardAdvisor. Details checked on 23 Oct 2026. For information only, not financial advice; always read the bank’s most important terms (MITC) before applying.