1. HDFC Bank RuPay IRCTC Credit Card
Annual fee ₹500 · Rewards up to 5% · You keep ₹1,800* a year
The HDFC Bank RuPay IRCTC Credit Card suits people who book train tickets often. It gives 5 reward points per ₹100 on IRCTC, worth ₹1 each on train tickets, and 8 railway lounge visits a year.
- 5% on IRCTC
- 1% on groceries
- 1% on other spends
2. HSBC Premier Credit Card
Annual fee Free · Rewards up to 3% · You keep ₹1,080* a year
No IRCTC rate of its own. Shown for comparison.
The HSBC Premier Credit Card earns 3 reward points per ₹100, worth ₹1 each on Apple products or HSBC Travel with Points, with unlimited airport lounge access and a 0.99% forex markup. It is only for HSBC Premier customers, who pay no annual fee.
- 3% on other spends
3. IRCTC BOBCARD RuPay Credit Card
Annual fee ₹350 · Rewards up to 10% · You keep ₹1,027* a year
The IRCTC BOBCARD gives 16 to 40 reward points per ₹100 on AC and chair car train tickets booked on IRCTC, which is 4% to 10% back at ₹0.25 a point, depending on your travel dates. It is a RuPay card that works on UPI, with a ₹350 annual fee and 4 railway lounge visits a year.
- 4% on IRCTC
- 0.5% on other spends
- RBL BankIRCTC RBL BankRuPay
4. IRCTC RBL Bank Credit Card
Annual fee ₹500 · Rewards up to 2.5% · You keep ₹900* a year
The IRCTC RBL Bank Credit Card earns 5 reward points per ₹200 on train tickets booked on IRCTC, and each point is worth ₹1 when you use it to book trains. It suits regular train travellers, with 8 railway lounge visits a year and a ₹500 fee waived on ₹1.5 lakh of yearly spends.
- 2.5% on IRCTC
- 0.5% on other spends
5. BOBCARD Premier Credit Card
Annual fee ₹1,000 · Rewards up to 2.5% · You keep ₹900* a year
No IRCTC rate of its own. Shown for comparison.
The BOBCARD Premier Credit Card gives 10 reward points per ₹100 on travel, dining and international spends, up to 2,000 points per statement cycle, and 2 points on other spends. It adds one domestic lounge visit each quarter.
- 2.5% on travel
- 2.5% on dining and food delivery
- 0.5% on other spends
6. IRCTC SBI Platinum Card (RuPay)
Annual fee ₹500 · Rewards up to 10% · You keep ₹850* a year
The IRCTC SBI Platinum Card on RuPay gives up to 10% value back as reward points on AC class train tickets booked through IRCTC. Points can be used to pay for train tickets, and 1 point equals ₹1 of fare.
- 4% on IRCTC
- 0.8% on other spends
7. Axis Bank ACE Credit Card
Annual fee ₹499 · Rewards up to 5% · You keep ₹540* a year
No IRCTC rate of its own. Shown for comparison.
The Axis Bank ACE Credit Card gives 5% cashback on bills and recharges paid through Google Pay, and 4% on Swiggy, Zomato and Ola, with a shared limit of ₹500 per statement. Other eligible spends earn 1.5% with no limit.
- 5% on Google Pay bills
- 4% on Swiggy, Zomato
- 4% on Ola
- 1.5% on other spends
Compare these cards
| Card | Joining fee | Annual fee | Rewards up to | You keep a year |
|---|---|---|---|---|
| HDFC Bank RuPay IRCTC Credit Card | ₹500 | ₹500 | 5% | ₹1,800* |
| HSBC Premier Credit Card | ₹12,000 | Free | 3% | ₹1,080* |
| IRCTC BOBCARD RuPay Credit Card | ₹500 | ₹350 | 10% | ₹1,027* |
| IRCTC RBL Bank Credit Card | ₹500 | ₹500 | 2.5% | ₹900* |
| BOBCARD Premier Credit Card | Free | ₹1,000 | 2.5% | ₹900* |
| IRCTC SBI Platinum Card (RuPay) | ₹500 | ₹500 | 10% | ₹850* |
| Axis Bank ACE Credit Card | ₹499 | ₹499 | 5% | ₹540* |
How to choose a credit card for IRCTC
- Whether the rate covers only AC classes or all tickets.
- Whether the card waives IRCTC's transaction charge.
- The monthly limit on the IRCTC rate.
- Railway lounge visits, if you travel by train often.
How we ranked these cards
We work out what each card pays on ₹3,000 a month at IRCTC, then take off the renewal fee with GST. We count rewards only up to each limit. We count rewards on that spend only, and assume ₹15,000 a month of other spending when we check whether the fee is waived. Where a card pays a rate of its own at IRCTC, we use it. We also show the best cards without one, ranked on the same spend. Welcome gifts and lounge visits are left out. What a bank pays us plays no part. Your own result will differ, so try the credit card finder with your spending.
The bank alone decides approval and your credit limit.
Frequently asked questions
Do IRCTC cards work only on the IRCTC website?
The top rate does. Other spends earn the card's normal rate.
Can a general travel card beat an IRCTC card?
Sometimes. A card that pays a high rate on all travel can match a brand card, which is why we show the best of those too.
*Estimate only, not a promise. We work it out from the bank's published terms and the spending you enter. What you actually get depends on the bank, your transactions and any change in its terms. Fees are before GST.
Some Apply buttons are partner links. What a bank pays us never changes the order or any figure. How we make money