RBL IRCTC

RBL Bank · Rupay

RBL IRCTC credit card earns reward points on train ticket bookings via IRCTC and supports UPI-based credit on the RuPay network.

Annual Fee

₹500

Base Reward Rate

3X

Point Value

₹0.5/pt

Min CIBIL

680

Lounge Access

Domestic

0/year

International

0/year

Reward Rates by Category

Dining

2X

Travel

5X

Shopping

2X

Online

2X

Grocery

2X

Fuel

2X

Utilities

1X

Other

2X

Pros

Rewards on IRCTC train bookings
IRCTC convenience fee waiver
UPI credit via RuPay
Annual fee waived on spend
Fuel surcharge waiver

Cons

Limited to IRCTC for best value
No lounge access
Low rewards on other categories

Ready to Apply?

Apply directly on the RBL Bank website. Takes about 10 minutes.