IRCTC RBL Bank Credit Card benefits
- Travel5
reward points per ₹200 on IRCTC train tickets
up to 1,000 points a month
- Travel1%
IRCTC transaction charge reversed
up to ₹200
- Lounge8
railway lounge visits a year
- Rewards500
bonus points on ₹75,000 of quarterly spends
Good to know
- 1 reward point = ₹1 on IRCTC train bookings
- Annual fee ₹500, waived on ₹1.5 lakh of yearly spends
IRCTC RBL Bank Credit Card rewards and cashback
| Where you spend | Rate | Monthly limit |
|---|---|---|
| IRCTC5 reward points per ₹200 on train tickets of all classes booked on the IRCTC website or app, up to 1,000 points a billing cycle. | 2.5 points per ₹100 | 1,000 |
| Travel2 reward points per ₹200 on flights and hotels booked on the IRCTC website or app, up to 1,000 points a billing cycle. Shown for information, as our maths counts IRCTC spends at the train ticket rate. | 1 points per ₹100 | 1,000 |
| Travel3 reward points per ₹200 on FASTag recharges through RBL Bank channels, NCMC reloads and the UTS app, up to 1,000 points a billing cycle. | 1.5 points per ₹100 | 1,000 |
| Everything else | 0.5 points per ₹100 | None |
We value one point at ₹1 in the usual redemption.
No rewards on: Fuel and auto, utilities, insurance, rent, education, wallet loads, government services, cash, Bills2Pay and EMI. Offline UPI payments under ₹2,000 at small merchants on the RuPay card also earn nothing.
All reward rules
- 1 reward point = ₹1 when you use points to book train tickets on the IRCTC website or app. Other redemptions on RBL Bank's rewards site are worth less.
- Other spends earn 1 reward point per ₹200.
- Milestone: 500 bonus reward points on ₹75,000 of eligible spends in a calendar quarter.
- Welcome benefit: 500 reward points on a purchase above ₹500 within 30 days, after the annual fee is paid.
- The 1% IRCTC transaction charge is reversed on bookings up to ₹5,000, up to ₹200.
- Reward points are valid for 2 years.
What the IRCTC RBL Bank Credit Card gives back in a year
Say you spend ₹30,000 a month, like our “frequent traveller” pattern, using IRCTC where the card pays extra. Worked out with the same maths as the calculator above.
| Spending | A month | Back | A year |
|---|---|---|---|
| Groceries | ₹3,000 | 0.5% | ₹180 |
| Dining and food delivery | ₹4,000 | 0.5% | ₹240 |
| Online shopping | ₹3,000 | 0.5% | ₹180 |
| Travel | ₹14,000 | 2.5% | ₹4,200 |
| Fuel | ₹1,000 | 0% | ₹0 |
| Bills and utilities | ₹2,000 | 0% | ₹0 |
| Everything else | ₹3,000 | 0.5% | ₹180 |
| Total | ₹30,000 | ₹4,980 | |
| Renewal fee with GST | Waived | ||
| You keep | ₹4,980* |
IRCTC RBL Bank Credit Card annual fee and charges
- Joining fee
- ₹500
- Annual fee
- ₹500
- Fee waiver
- ₹1,50,000 a year
- Foreign currency markup
- 3.5%
RBL Bank's card page gives a membership fee of ₹500 a year, while its schedule of charges lists ₹499. The annual fee is waived on ₹1.5 lakh of eligible spends in a year. Fees are before GST.
IRCTC RBL Bank Credit Card eligibility
- Age
- 21 to 70
RBL Bank does not publish a minimum income for this card. It checks eligibility when you apply.
The bank alone decides approval and your credit limit.
IRCTC RBL Bank Credit Card lounge access
The bank's terms list no fixed number of free airport lounge visits on this card.
8 visits a year to select IRCTC executive lounges at railway stations, at most 2 a quarter. These are railway lounges, not airport lounges.
Is the IRCTC RBL Bank Credit Card right for you?
A card with a ₹500 fee that spending can waive, paying 2.5% at IRCTC and a below-average 0.5% elsewhere.
Worth its fee if you spend about ₹4,000 a month or more. Below that, the ₹500 fee costs more than the card gives back on spending like the example above.
Good for you if
- You spend a lot at IRCTC: the card pays 2.5% back there, against 0.5% on most other spends.
- You spend ₹1,50,000 a year or more (about ₹12,500 a month), so the ₹500 renewal fee is waived.
- You pay by UPI: it is a RuPay card you can link to UPI apps and use at shop QR codes.
Not for you if
- You spend less than about ₹12,500 a month: you would pay ₹590 a year with GST.
- You spend more than ₹40,000 a month at IRCTC: the higher rate stops there.
- You rarely use IRCTC: outside it the card pays 0.5%.
- Much of your spending is on bills and utilities: this earns no rewards.
Check the latest fees and terms on the bank's page before you apply.
Alternatives to IRCTC RBL Bank Credit Card
Two similar cards to weigh up before you apply. The last column shows what each may be worth on ₹30,000 a month of mixed spending, after the renewal fee with GST. Rates paid only at named brands are not counted, so a brand card can earn more if you shop there.
| Card | Annual fee | Rewards up to | You keep a year |
|---|---|---|---|
| IRCTC RBL Bank Credit Card | ₹500 | 2.5% | ₹1,440* |
| BOBCARD TIARA Credit Card | ₹2,499 | 3.75% | ₹4,590* |
| MakeMyTrip ICICI Bank Credit Card | ₹999 | 6% | ₹3,600* |
If most of your spending looks like the example above, the BOBCARD TIARA Credit Card may suit you better: it would leave you ₹9,090 a year, against ₹4,980 with the IRCTC RBL Bank Credit Card.
*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.
Frequently asked questions
What is the annual fee of the IRCTC RBL Bank Credit Card?
RBL Bank's card page gives a fee of ₹500 a year, before GST, and its schedule of charges lists ₹499. The fee is waived if you spend ₹1.5 lakh in a year on eligible purchases.
How many reward points does the IRCTC RBL card give on train tickets?
5 reward points per ₹200 on train tickets booked on the IRCTC website or app, up to 1,000 points a billing cycle. Flights and hotels on IRCTC earn 2 points per ₹200, and other spends 1 point per ₹200.
What is the value of an IRCTC RBL reward point?
1 reward point is worth ₹1 when you use it to book train tickets on IRCTC. Other redemptions on RBL Bank's rewards site give a lower value.
Does the IRCTC RBL Bank Credit Card give lounge access?
It gives 8 visits a year to select IRCTC executive lounges at railway stations, at most 2 a quarter. It does not give airport lounge access.