RBL

IRCTC RBL Credit Card

Apply for IRCTC RBL Credit Card. Earn 5X rewards on IRCTC train bookings, 8 railway lounge visits/year & train cancellation cover up to ₹5,000. Best for train travellers.

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Issued by

RBL

IRCTC RBL Credit Card image
Joining Fee₹500
Annual Fee₹500
Income₹30000
Credit Score750

Key Highlights

Book Train Tickets

Earn 5 points per ₹200 spend on booking train tickets through IRCTC website or app.

Travel

5X Reward Points

On train ticket 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 spends

1 Reward Point = ₹1 on IRCTC Redemptions

making reward points directly usable for train ticket bookings through IRCTC’s Pay by Points feature.

3X Reward Points on FASTag Recharges

on FASTag reloads done via RBL Bank digital channels, NCMC reload or UTS app, up to 1,000 points per month

Eligibility

Age Criteria21-65

Applicants must be between 21 and 65 years at the time of application.

Credit Score750

A CRIF score of 750 or above is required as per the bank’s eligibility criteria.

Salaried Income₹3 LPA

Minimum Annual Income of ₹3 LPA is required to apply for the IRCTC RBL Credit Card, as per bank eligibility.

Self-employed Income₹3 LPA

Minimum Annual Income of ₹3 LPA is required to apply for the IRCTC RBL Credit Card, as per bank eligibility.

Employment TypeSelf Employed, Salaried
New to CreditNot eligible

Fees & Waivers

Joining Fee₹500

A one-time joining fee is charged at the time of card issuance as per the bank’s policy.

Joining Fee OffsetPay ₹500 and get 500 reward points as a welcome benefit, effectively waiving the joining fee.
Annual Fee₹500

The annual fee is charged every year and may be waived if you meet the bank’s spending conditions.

Annual Fee WaiverThe annual fee is not waived under any spending conditions.
Estimated Annual Saving₹0

Rewards & Redemption

Reward Conversion1 Reward Point = ₹1
Redemption Options

Redeem your reward points on the IRCTC Website or Mobile App for train ticket bookings

Earning ExclusionsCash Advances,ATM Cash Withdrawals,P2P Transfers,Quasi-Cash Transactions,Money Transfers,Wallet Loads,Gift Cards and Vouchers,EMI Spends,Interest Charges,Payment Returned Charges,Service/Interest Charges,Transaction Charges,Fuel Spends,Forex Transactions,Cryptocurrency/Digital Asset Transactions,Government-Related Transactions,Railways Transactions,Lottery,Toll Payments,Online Skill-Based Gaming
Spend ExclusionsFuel Spends, Gift Card & Vouchers, Tax Payments, Insurance Payments

Benefits

All Benefits

  • Earn 5 Reward Points for every ₹200 spent on train ticket bookings via IRCTC website or mobile app, up to 1,000 points per month
  • Earn 3 Reward Points for every ₹200 spent on FASTag recharge via RBL Bank digital channels, NCMC reload or UTS app, up to 1,000 points per month
  • Earn 2 Reward Points for every ₹200 spent on flight and hotel bookings via IRCTC website or mobile app, up to 1,000 points per month
  • Earn 1 Reward Point for every ₹200 spent on all other eligible purchases
  • Reward Points redemption value is ₹1 per point for IRCTC bookings using Pay by Points or via the RBL Rewards Platform
  • Welcome benefit of 500 Reward Points on spending ₹500 or more within 30 days of card Issuance
  • Milestone benefit of 500 Reward Points on reaching quarterly spends of ₹75,000
  • Up to 8 complimentary IRCTC Executive railway lounge visits per year, capped at 2 per quarter
  • Train cancellation protection cover worth up to ₹5,000 for eligible cancelled trains
  • Reversal of IRCTC transaction charges of 1% on train ticket bookings, capped at ₹200 per month

Welcome Benefits

  • Earn 500 Reward Points on making a transaction of ₹500 or more within 30 days of card issuance

Flight Benefits

  • Earn 2 Reward Points for every ₹200 spent on flight and hotel bookings made through IRCTC website or mobile app, up to 1,000 reward points per month

Railway Benefits

  • Earn 5 Reward Points for every ₹200 spent on train ticket bookings via IRCTC website or mobile app, up to 1,000 reward points per month
  • Reversal of IRCTC transaction charges of 1% on train ticket bookings, capped at ₹200 per month, applicable on bookings up to ₹5,000

Railway Lounge Benefits

  • Up to 8 complimentary visits per year to IRCTC Executive Lounges at select railway stations in India, capped at 2 visits per quarter

Insurance Benefits

  • Train cancellation protection cover worth up to ₹5,000 for trains cancelled by Indian Railways within 24 hours of the scheduled departure time

Documents

PAN Card
Aadhaar Card or valid address proof
Latest salary slips or income proof
Recent bank statements

Terms

The bank may offer a different card variant based on your eligibility. Please carefully read the features of the card offered before submitting your application
A minimum transaction of Rs.100 within 30 days is required to activate the card, otherwise, you won’t be eligible for the Rewards

FAQ

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