← Part of RBL Credit Cards in India
The IRCTC RBL Bank Credit Card, a co-branded RuPay card, offers a 2.5% value-back on train ticket bookings through IRCTC, making IT attractive for frequent rail travelers. As of 2026, IT provides up to 8 complimentary railway lounge visits annually and a 1% waiver on transaction charges for IRCTC bookings.
| Parameter | Details |
|---|---|
| Card Name | IRCTC RBL Bank Credit Card |
| Card Type | Co-branded Credit Card |
| Issuing Bank | RBL Bank |
| Partner | IRCTC (Indian Railway Catering and Tourism Corporation) |
| Card Network | RuPay |
| Joining Fee | ₹500 + GST |
| Annual Fee | ₹500 + GST (from 2nd year onwards) |
| Welcome Benefit | 500 reward points on spending over ₹500 within 30 days of card issuance (after membership fee payment) |
| Reward Points on IRCTC Train Bookings | 5 Reward Points per ₹200 spent (2.5% value-back) |
| Reward Points on FASTag Recharge | 3 Reward Points per ₹200 spent via RBL Bank Digital Channels/NCMC Reload/UTS App (1.5% value-back) |
| Reward Points Redemption Value | 1 Reward Point = ₹1 (redeemable on IRCTC website/app or RBL Rewards platform) |
| Complimentary Railway Lounge Access | Up to 8 visits per year (max 2 per quarter) at select IRCTC Executive Lounges (₹2 card validation charge per visit) |
| Train Cancellation Protection | Coverage up to ₹5,000 if Indian Railways cancels a train within 24 hours of departure |
| Transaction Fee Waiver (IRCTC Bookings) | 1% waiver on transaction charges for IRCTC bookings (up to ₹500 transactions, max ₹200/month) |
| UPI Linkage | Linkable to UPI applications like Google Pay for payments |
| NCMC Feature | National Common Mobility Card (NCMC) for contactless travel on metro/bus |
| Loyalty Number | 11-digit loyalty number printed on the card for IRCTC account linking |
| Eligibility Age | 21 to 70 years |
| Target Audience | Salaried and self-employed individuals who frequently travel by train |
| Customer Care (IRCTC) | 14646, 0755-6610661, 0755-4090600 |
This card’s 1:1 reward point redemption value on IRCTC bookings provides a direct benefit for train travelers, complementing its lounge access and transaction fee waivers.
IRCTC RBL Card: Features & Benefits
The IRCTC RBL Bank Credit Card offers a 2.5% reward rate on train ticket bookings via IRCTC, alongside up to 8 complimentary railway lounge visits annually. Cardholders also receive a 1% waiver on transaction charges for IRCTC bookings, capped at ₹200 per month.
| Type/Category | Details | Key Feature |
|---|---|---|
| Reward Points (Train Bookings) | 5 Reward Points per ₹200 spent on train ticket bookings through the IRCTC website or App. | Accelerated rewards on IRCTC train bookings |
| Reward Points (FASTag Recharge) | 3 Reward Points per ₹200 spent on FASTag recharge from RBL Bank Digital Channels/NCMC Reload/UTS App. | Rewards on FASTag recharges |
| Reward Points (Other IRCTC Travel) | 2 Reward Points for every ₹200 spent on flights, hotels, and cruise bookings made through the IRCTC platform. | Rewards on other IRCTC travel bookings |
| Reward Redemption Value | 1 Reward Point equals ₹1 when redeemed on the IRCTC website or application. | Direct redemption on IRCTC at 1:1 ratio |
| Welcome Benefit | 500 reward points on making a spend worth above ₹500 within 30 days of card issuance, applicable after annual membership fee is paid. | Initial reward points for new cardholders |
| Milestone Benefits | 500 reward points on reaching quarterly spends of ₹75,000. | Bonus rewards for achieving spending targets |
| Complimentary Lounge Access | Up to 8 complimentary visits to IRCTC Executive lounges at select railway stations per year, capped at 2 per calendar quarter. A nominal ₹2 card validation charge per lounge visit applies. | Complimentary railway lounge access |
| Transaction Fee Waiver | 1% waiver on transaction charges for train ticket bookings through IRCTC for up to ₹500 transactions, with a maximum waiver of ₹200 per month. | Savings on IRCTC booking fees |
| Train Cancellation Protection | Coverage up to ₹5,000 if your train is canceled by Indian Railways within 24 hours of the scheduled departure time. | Financial protection against train cancellations |
| Payment Features | NCMC functionality for seamless metro and bus station commutes (‘Tap & Transit’ feature). RuPay card, allowing for convenient UPI payments. | Versatile payment options for travel and everyday use |
| Bills2Pay Facility | Pay various utility bills via RBL MyCard App/RBL MyBank App/Internet banking channel. | Convenient utility bill payments |
| Loyalty Number | An 11-digit loyalty number is printed on the back of the card, allocated upon card approval. | helps linking with IRCTC login |
| Reward Point Validity | Reward Points are valid for 2 years from the date of earning. | Ensures ample time for redemption |
The card’s 1:1 reward redemption ratio on IRCTC bookings makes IT a strong choice for frequent train travelers seeking direct savings.
IRCTC RBL Card: Fees & Charges 2026
The IRCTC RBL Bank Credit Card carries a joining fee of ₹500 + GST and an equivalent annual fee, as of 2026. Cardholders receive a 1% waiver on transaction charges for train ticket bookings made via IRCTC, capped at ₹200 per month.
| Fee/Charge Type | Value (INR) | Details/Waiver Criteria |
|---|---|---|
| Annual Joining Fee | ₹500 + GST | Applicable upon card issuance. |
| Annual Membership Fee | ₹500 + GST | Charged annually from the second year onwards. |
| Transaction Fee Waiver (IRCTC bookings) | 1% | Waiver on train ticket bookings through IRCTC for transactions up to ₹500, maximum waiver of ₹200 per month. |
| IRCTC Executive Lounge Access Charge | ₹2 per visit | For complimentary lounge access (up to 8 visits annually, 2 per quarter). |
| Cash Payment at RBL Bank Branches | ₹100 | Fee for making credit card bill payments in cash at RBL Bank branches. |
| Surcharge on Railway Ticket Purchase/Cancellation | IRCTC Service Charges + Payment Gateway charges | Up to 1.8% of ticket amount + IRCTC service charges. |
| Cash Advance Fee | 2.5% or minimum ₹500 | Applicable on cash withdrawals from ATMs (per RBL Bank policy, as of 2026). |
| Interest Rate on Retail Purchases | Up to 3.6% per month | Varies based on cardholder’s profile and RBL Bank policy. |
| Late Payment Charges (for outstanding balance) | Ranges from ₹100 to ₹1,300 | Varies based on the total outstanding amount (e.g., ₹100 for <₹100, ₹1,300 for >₹25,000). |
| Overlimit Fee | 2.5% of overlimit amount or minimum ₹500 | Charged if the outstanding balance exceeds the credit limit. |
| Foreign Currency Transaction Markup | 3.5% | Applicable on all international transactions. |
| Card Replacement Fee | ₹100 | Charged for reissuance of a lost, stolen, or damaged card. |
| Duplicate Statement Request Fee | ₹25 per statement | For physical copies of statements older than 3 months. |
| Cheque Bounce/Auto-Debit Return Fee | ₹300 | Charged if payment instrument is dishonoured. |
| Fuel Surcharge Waiver | 1% | Applicable for transactions between ₹500 and ₹3,000 at fuel stations (effective June 15, 2026, for RBL Bank BankBazaar SaveMax Credit Card, verify for IRCTC RBL card). |
The welcome benefit of 500 reward points is credited within 60 days of card issuance, provided the first transaction is made within 30 days and the membership fee is paid.
IRCTC RBL Card: Reward Program
The IRCTC RBL Bank Credit Card offers accelerated reward points on train ticket bookings, providing a 2.5% value-back on IRCTC spends. Cardholders earn 5 Reward Points for every ₹200 spent on train tickets via the IRCTC website or app (as of April 2026).
- IRCTC Bookings: Earn 5 Reward Points for every ₹200 spent on train ticket bookings through the IRCTC website or app.
- FASTag Recharges: Get 3 Reward Points for every ₹200 spent on FASTag recharges via RBL Bank Digital Channels, NCMC Reload, or UTS App.
- Welcome Benefit: Receive 500 reward points upon making a spend of over ₹500 within 30 days of card issuance and successful payment of the annual membership fee.
- Milestone Rewards: Earn an additional 500 reward points when quarterly spends reach ₹75,000.
- Redemption Value: Each Reward Point is valued at ₹1 when redeemed for train ticket bookings on the IRCTC app or website.
- General Spends: All other retail spends earn 1 Reward Point for every ₹200 spent, offering a base reward rate.
- UPI Transactions: Offline UPI transactions under ₹2,000 made at small merchants are not eligible for reward points or other product benefits.
- Loyalty Number: An 11-digit loyalty number is printed on the back of the card, which must be linked to your IRCTC login for redemption.
These reward points can be redeemed directly against future train ticket bookings, savings for frequent rail travellers.
IRCTC RBL Card: Travel Privileges
The IRCTC RBL Bank Credit Card offers significant travel benefits, including up to 8 complimentary railway lounge visits annually for primary cardholders. Cardholders also receive a 1% waiver on transaction charges for train ticket bookings made via IRCTC, capped at ₹200 per month.
- Complimentary Lounge Access: Primary cardholders get up to 8 complimentary visits per year to IRCTC Executive Lounges at select railway stations, limited to 2 visits per calendar quarter.
- Transaction Charge Waiver: Enjoy a 1% waiver on transaction charges for train ticket bookings made through the IRCTC website or app, applicable for transactions up to ₹500.
- Maximum Monthly Waiver: The transaction charge waiver is capped at ₹200 per month, providing consistent savings for frequent train travelers.
- Train Cancellation Protection: The card provides coverage of up to ₹5,000 if your train is cancelled by Indian Railways within 24 hours of its scheduled departure.
- FASTag Recharge Value-back: Get a 1.5% value-back on FASTag recharges, alongside the base reward rate on other card spends.
- Tap & Transit Feature: The card includes a ‘Tap & Transit’ feature, enabling seamless contactless commutes on metro and bus networks.
- UPI Linkage: As a RuPay card, IT can be linked to popular UPI applications like Google Pay for convenient mobile payments.
These privileges the travel experience for individuals who frequently use Indian Railways and other public transport.
IRCTC RBL vs SBI vs HDFC Cards
The IRCTC RBL Bank Credit Card offers a 2.5% value-back on train bookings, alongside 8 complimentary railway lounge visits annually. In comparison, the IRCTC SBI Platinum card provides 4 lounge visits per year, while the IRCTC HDFC Bank Credit Card offers 10% reward points via its SmartBuy portal.
| Feature | IRCTC RBL Card | IRCTC SBI Platinum | IRCTC HDFC Card |
|---|---|---|---|
| Joining Fee | ₹500 + GST | ₹500 | ₹499 + taxes |
| Annual Membership Fee | ₹500 + GST | ₹500 | ₹499 + taxes |
| Reward Points on IRCTC Bookings | 5 Reward Points per ₹200 (2.5% value-back) | 1 Reward Point per ₹125 (on retail purchases and train bookings) | 5 Reward Points per ₹100 (on IRCTC website/app) |
| Railway Lounge Access | 8 complimentary visits per year (max 2 per quarter) | 4 complimentary visits per year (max 1 per quarter) | 8 complimentary visits per year |
| Transaction Fee Waiver on IRCTC | 1% waiver (up to ₹200/month) | 1% waiver on irctc.co.in | Not specified |
| Reward Point Redemption Value | 1 Reward Point = ₹1 (on IRCTC app/website) | Not specified | Not specified |
| Train Cancellation Protection | Up to ₹5,000 cover | Not specified | Not specified |
| FASTag Recharge Benefit | 1.5% value-back (3 Reward Points per ₹200) | Not specified | Not specified |
| Welcome Benefit | 500 reward points (on spend > ₹500 within 30 days) | 350 bonus reward points | Gift voucher worth ₹500 |
| Milestone Benefit | 500 reward points (on quarterly spends of ₹75,000) | Not specified | Not specified |
| UPI Linkage | Yes, RuPay network | Yes, RuPay network | Not specified |
| NCMC Feature | Yes, for contactless travel | Not specified | Not specified |
The IRCTC RBL Bank Credit Card stands out with its specific train cancellation protection and FASTag benefits, offering a full travel solution for frequent rail users in India.
IRCTC RBL Card: Eligibility & Documents
To apply for the IRCTC RBL Bank Credit Card, applicants must be between 21 and 70 years old. RBL Bank requires specific income and address proofs to process the application.
The table below outlines the key eligibility criteria and necessary documents for the IRCTC RBL Bank Credit Card as of 2026.
- Age Requirement: Applicants must be Indian residents aged 21 to 70 years to be eligible for the card.
- Proof of Identity: A valid government-issued ID like an Aadhaar Card, Passport, or Driver’s License is mandatory.
- Proof of Address: Documents such as an Aadhaar Card, Passport, or a utility bill (not older than three months) are accepted.
- Proof of Income (Salaried): Salaried individuals need to submit their latest one or two salary slips (not older than three months) or the latest Form 16.
- Proof of Income (Self-Employed): Self-employed applicants typically provide their last three months’ bank statements as income proof.
RBL Bank may request additional documents based on its internal policies and the applicant’s profile.
Applying for IRCTC RBL Card
Applying for the IRCTC RBL Bank Credit Card involves a straightforward online process, requiring specific documents for identity, address, and income verification. The card is designed for both salaried and self-employed individuals aged 21 to 70 years who frequently travel by train.
- Check Eligibility: Ensure you meet the age criteria of 21 to 70 years and have a stable income source, whether salaried or self-employed.
- Gather Documents: Prepare digital copies of your Aadhaar Card, Passport, or Driver’s License for address proof. For income proof, keep your latest salary slips (not older than three months) or Form 16 ready.
- Online Application: Visit the official RBL Bank website or a trusted financial aggregator portal to initiate the application. Fill out the online form with accurate personal and financial details.
- Document Submission: Upload the required proof of address and income documents as prompted during the application process. RBL Bank may request additional documents based on internal policies.
- Verification Process: RBL Bank will review your application and documents. This may include a credit score check and further verification calls.
- Card Issuance: Upon approval, your IRCTC RBL Bank Credit Card will be dispatched to your registered address. The loyalty number (11-digit) will be printed on the back of the card.
After receiving the card, ensure you pay the membership fee to activate welcome benefits, including 500 reward points on spending over ₹500 within 30 days.
Key Takeaways
- The IRCTC RBL Bank Credit Card offers 5 Reward Points for every ₹200 spent on train bookings via IRCTC, with each point valued at ₹1.
- Cardholders receive up to 8 complimentary IRCTC Executive Lounge visits annually, capped at 2 per calendar quarter.
- A 1% waiver on transaction charges for IRCTC train bookings is provided, up to ₹200 per month, for transactions up to ₹500.
Check your eligibility and apply for the IRCTC RBL Bank Credit Card on the official RBL Bank website to start earning travel rewards.
Frequently Asked Questions (FAQs)
What are the main benefits of the IRCTC RBL Bank Credit Card in 2026?
The IRCTC RBL Bank Credit Card offers 5 Reward Points per ₹200 spent on IRCTC train bookings, equivalent to a 2.5% reward rate. Cardholders also receive up to 8 complimentary railway lounge visits annually, capped at 2 per quarter, and a 1% waiver on train transaction fees. You also get 3 Reward Points per ₹200 on FASTag recharges.
What are the fees for the IRCTC RBL Bank Credit Card in 2026?
As of 2026, the IRCTC RBL Bank Credit Card has a joining fee of ₹500 plus GST. The annual membership fee is also ₹500 plus GST, which is waived if annual spends exceed a certain threshold (verify with RBL Bank for the current threshold). The welcome benefit of 500 reward points is applicable only after the annual membership fee is paid.
How can I redeem reward points earned with the IRCTC RBL Bank Credit Card?
You can redeem accumulated reward points directly on the IRCTC website or app using the ‘Pay by Points’ functionality. Each reward point is typically valued at ₹1 when redeemed for train ticket bookings. Points can also be redeemed against products available on the RBL Rewards platform.
Does the IRCTC RBL Bank Credit Card offer lounge access?
Yes, the IRCTC RBL Bank Credit Card provides complimentary access to IRCTC Executive lounges at select railway stations. Primary cardholders are eligible for up to 8 visits annually, with a maximum of 2 visits per quarter. Simply swipe your card for entry.
What are the welcome benefits for the IRCTC RBL Bank Credit Card?
New cardholders receive 500 reward points as a welcome benefit upon making a spend of over ₹500 within 30 days of card issuance. This benefit is credited after the annual membership fee is successfully paid. These points can be redeemed for train bookings or other products.
What are the eligibility criteria for the IRCTC RBL Bank Credit Card?
Eligibility for the IRCTC RBL Bank Credit Card typically requires applicants to be Indian residents, at least 18 years old, and have a stable income. A CIBIL score of 750 or higher generally improves approval chances. Specific income requirements vary by RBL Bank policy; check their website for current details.
Are there any milestone benefits with the IRCTC RBL Bank Credit Card?
Yes, the IRCTC RBL Bank Credit Card offers milestone benefits to reward consistent spending. Cardholders can earn 500 reward points upon reaching quarterly spends of ₹75,000. These points add to your overall reward balance, savings on travel.
Disclaimer: This article is general information, not financial advice. Interest rates, fees, and eligibility change frequently. Verify current details with the lender or regulator (RBI / SEBI / IRDAI) before deciding.