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IRCTC RBL Bank Credit Card: For Regular Railway Commutes

Home RBL Bank IRCTC RBL Bank Credit Card: For Regular Railway Commutes
Updated: 11-11-2024 10:55:37 AM

IRCTC RBL Bank Credit Card is a co-branded card that offers accelerated savings and multiple benefits on IRCTC spends. With up to 5 reward points on co-branded spends, train cancellation protection, railway lounge benefits and train transaction fee waiver, you can use this RBL credit card to make your train travels more rewarding. Read on to know about all the benefits and features of IRCTC RBL Bank Credit Card.

IRCTC RBL Bank Credit Card Overall Rating: ★★★ (3/5)
IRCTC RBL Bank Credit Card
Co-branded Benefits ★★★★ (4/5)
Rewards Program ★★★ (3/5)
Milestone Benefits ★★★ (3/5)

Note: This card is not available on Paisabazaar.com. The content on this page is for information only. To apply for this card, please visit RBL Bank’s website.

IRCTC RBL Bank Credit Card is designed to offer accelerated benefits for those who frequently book train, flight, and hotel reservations through IRCTC. With this card, users can earn 2.5% value back (5 points per Rs. 200) on train ticket bookings and 1% value back (2 points per Rs. 200) on flights, hotels, and cruises booked via IRCTC. Unlike other IRCTC credit cards such as SBI IRCTC Platinum and IRCTC HDFC Bank, which limit their accelerated benefits to IRCTC transactions, this card also offers 1.5% value back (3 points per Rs. 200) on FASTag recharges.

In addition to these benefits, cardholders can earn a base reward rate of 1 point per Rs. 200 on other categories. Similar to other IRCTC credit cards, the accumulated reward points can be redeemed on IRCTC at a 1:1 ratio. Furthermore, the card offers 8 complimentary railway lounge visits annually and 1% transaction surcharge waiver on train ticket bookings through IRCTC. The card also offers up to 1,000 bonus reward points through joining and milestone benefits.

If you’re someone who frequently travels by train and prefers booking through IRCTC, this credit card could be a practical choice. It not only offers accelerated reward points on IRCTC train bookings but also extends to flight and hotel bookings, as well as FASTag recharges. However, keep in mind that this is a basic co-branded card, primarily rewarding your IRCTC spending, and it does not offer any travel-related benefits beyond railway lounge access. If you’re looking for more comprehensive rewards and travel benefits, then you should probably look out for other cards.

Features & Benefits of IRCTC RBL Bank Credit Card
Should you get IRCTC RBL Bank Credit Card?
Pros & Cons of IRCTC RBL Bank Credit Card
Other Cards Similar to IRCTC RBL Bank Credit Card
IRCTC RBL Bank Credit Card: Fees & Charges
IRCTC RBL Bank Credit Card: Eligibility Criteria

Features & Benefits of IRCTC RBL Bank Credit Card

Rewards Program

  • 5 reward points per Rs. 200 spent on train ticket booking of all classes via IRCTC website/app
  • 3 reward points per Rs. 200 spent on FASTag recharge via RBL Bank Digital channels/NCMC Reload/UTS app
  • 2 reward points per Rs. 200 spent on flights, hotels and cruise bookings via IRCTC website/app
  • 1 reward point per Rs. 200 spent on other categories

Rewards Capping: The accelerated reward points of each category are capped at 1,000 reward points for every month.
Transaction Categories Excluded from Rewards Earnings: Spends made on fuel, wallet load, EMI interest amount and repayments, cash advances, gift vouchers, prepaid card loading, outstanding balance, card fee and other charges, government, education, rent, and other such categories.

Rewards Redemption

RBL credit cardholders can redeem their accrued reward points directly on IRCTC website or app, where 1 Reward Point = Rs. 1

Note: Offline UPI transactions under Rs. 2,000 made at small merchants on RBL Bank RuPay credit card will not be eligible for any reward points earnings, milestone bonus, voucher benefits, or any other product benefits, unless specified. Here, small merchants are those with a turnover of less than or up to Rs. 2 lakh during the previous financial year.

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Other Card Benefits

Railway Lounge Benefits: Primary IRCTC RBL credit card users can avail up to 8 complimentary railway lounge (IRCTC Executive lounge) visits in a year, maximum 2 visits per calendar quarter.

Transaction Charge Waiver: 1% transaction fee waiver, up to Rs. 200 per month, on train ticket bookings worth up to Rs. 5,000 via IRCTC. Here, if you cancel the booked ticket then the waiver on refund amount will be reversed.

Train Cancellation Shield: Complimentary train cancellation protection cover of up to Rs. 5,000 in case your train is cancelled.

Welcome Benefits: 500 reward points on making the first card transaction of minimum Rs. 500 within 30 days of card issuance.

Milestone Benefit: 500 reward points on reaching quarterly spends of Rs. 75,000. Here, fuel, rental, utilities, wallet, cash withdrawal, EMIs, insurance, GST, fees and charges related card spends will not be considered towards the spending milestone calculation.

Should you get IRCTC RBL Bank Credit Card?

At an annual fee of Rs. 500, the card offers up to 2.5% value back on train ticket bookings through IRCTC, alongside 2 points per Rs. 200 spent on flight, hotel, and cruise bookings via IRCTC. When it comes to everyday spends, the card offers a basic reward rate of 1 point per Rs. 200—significantly lower than the base reward rate of other IRCTC credit cards, such as SBI IRCTC Platinum (1 point per Rs. 125) and IRCTC HDFC Bank (1 point per Rs. 100). IRCTC RBL Credit Card is tailored for those who frequently travel by train and prioritize earning rewards on rail bookings and do not seek any other travel-related benefits.

Consider this card if:

  • You frequently travel by train and prefer booking through IRCTC
  • You’re comfortable redeeming reward points exclusively on IRCTC bookings
  • You’re not concerned about earning decent value back on everyday spends like dining or groceries

Explore other options if:

  • You want a credit card with diverse travel redemption options
  • You want to avail travel benefits like complimentary airport lounge access
  • You’re looking for a rewards card that offers decent value back across multiple spending categories

Pros & Cons of IRCTC RBL Bank Credit Card

Pros Cons
5X reward points on train ticket bookings via IRCTC Accelerated benefits are limited to IRCTC only
8 complimentary railway lounge access every year Low reward rate of 1 point per Rs. 200 on other categories
1% transaction surcharge waiver on train ticket bookings Accelerated reward points are capped at 1,000 per month for each category

Other Cards Similar to IRCTC RBL Bank Credit Card

IRCTC SBI Platinum Credit Card

sbi-irctc-credit-card
3/5

Joining fee: ₹500

Annual/Renewal Fee: ₹300

10% value-back on railway ticket bookings

350 bonus reward points on card activation

Travel
Check Eligibility

Product Details

  • 350 reward points worth Rs. 350 on card activation after a transaction of min. Rs. 500 within the first 45 days
  • 10% value-back through reward points upon booking AC1, AC2, AC3 and AC Chair Car tickets via IRCTC website
  • 1 reward point for every Rs. 125 spent on non-fuel retail purchases, including railway ticket purchases via IRCTC
  • 4 complimentary railway lounge access in a year
  • Waiver of 1% transaction charge on railway ticket bookings
Know More

IRCTC HDFC Bank Credit Card

irctc-hdfc-bank-credit-card
3/5

Joining fee: ₹500

Annual/Renewal Fee: ₹500

5X reward points on IRCTC bookings

Complimentary access to IRCTC Executive lounges

Travel
Co-branded
Check Eligibility

Product Details

  • Gift voucher worth Rs. 500 on reaching the retail spending milestone of Rs. 30,000 every quarter
  • 1% transaction charges waiver, up to Rs. 1,000 in a month on IRCTC website and app
  • 1% fuel surcharge is waived off on transactions between Rs. 400 to Rs. 5,000
Know More

IRCTC SBI Card Premier

irctc-sbi-card-premier
3/5

Joining fee: ₹1499

Annual/Renewal Fee: ₹1499

10% valueback on AC1, 2 & 3, ECC & CC bookings via IRCTC

Rewards redeemable on IRCTC in 1:1 ratio

Travel
Check Eligibility

Product Details

  • 2,500 and 5,000 reward points on Rs. 50,000 and Rs. 1 lakh annual travel spends respectively
  • Rs. 10 lakh rail accident insurance, Rs. 50 lakh air accident cover & Rs. 1 lakh fraud liability cover
  • Save 1% transaction charges on IRCTC railway tickets & 1.8% transaction charges on IRCTC airline tickets
  • 8 complimentary visits to railway lounge in a year (Max. 2 per quarter)
  • 3 reward points per Rs. 125 spent on dining & utilities & 1 reward point per non-fuel retail spends
Know More

IRCTC RBL Bank Credit Card: Fees & Charges

Fees and Charges Amount
Joining / Annual Fee Rs. 500
Finance Charges Up to 3.99% p.m. (47.88% p.a.)
Late Payment Charges 12.5% of the total outstanding amount (min. Rs. 5 and max. Rs. 1,300)

Click here for the most important terms and conditions related to RBL Bank credit card fees and charges.

IRCTC RBL Bank Credit Card: Eligibility Criteria

Criteria Details
Age 18 years and above
Occupation Salaried or Self-Employed
Documents Required Click here to see the list of required documents
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