RBL IRCTC credit card

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

Waived at ₹1.0L spend

Joining Fee

₹500

Base Reward Rate

3X

₹0.5/pt

Min CIBIL

680

₹3L+ income

Key Features

1.5% value back on IRCTC train ticket bookings
Zero transaction fee on IRCTC bookings
3X reward points on dining and utility payments
1X on all other spends
Annual fee waived on ₹1 lakh spend
Zero fuel surcharge at petrol pumps
Contactless payment enabled
Add-on cards available

Welcome Benefits

✓

500 Bonus Points on First IRCTC Booking

Earn 500 reward points on first IRCTC train booking within 60 days of activation

✓

Zero Transaction Fee on IRCTC

No card transaction charge on IRCTC — saves 1–1.8% vs most other cards

Reward Rates by Category

Dining

2X

Travel

5X

Online

2X

Shopping

2X

Grocery

2X

Fuel

2X

Utilities

1X

Other

2X

Partner Earn Rates

PartnerCategoryEarn Rate
IRCTCTrain Tickets3X
DiningDining3X
Utility BillsUtilities3X

Milestone Benefits

₹1.0 L

Annual Fee Waiver

Spend ₹1 lakh to waive the annual fee for the following year

Annual

Airport Lounge Access

Domestic

0 visits/year

International

0 visits/year

Insurance & Protection

Personal Accident Cover

Accidental death cover

₹2 Lakhs

Zero Liability

Report promptly

100% fraudulent charges

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

Frequently Asked Questions

How much value back on IRCTC?+
1.5% value back on IRCTC bookings — plus zero transaction fee, saving the 1–1.8% charge on other cards.
What on dining?+
3X reward points on dining and utility bill payments. 1X on everything else.
Annual fee?+
₹500. Waived on ₹1 lakh annual spend.
Can I use it for other travel?+
Yes — earns 1X on all spends, but best value on IRCTC train bookings.
How to redeem?+
Via RBL Bank rewards portal for vouchers, flights or statement credit.

Ready to apply?

Apply on the RBL Bank website. Usually takes 10 minutes.

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RBL IRCTC

₹500/yr · 3X rewards