RBL Bank
RBL Bank IRCTC Credit Card
Data last verified: 11 October 2026
- Joining fee₹500 + GST
- Annual fee₹500 + GST
- Reward rate0.5% on most spends; 2.5% only at partner merchants
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining fee₹500 + GST
- Annual fee₹500 + GST
- Forex markup3.5%
- Interest (APR)3.99% a month, 47.88% a year
This card is for people who book trains often. IRCTC ticket bookings earn 5 points per Rs 200, about 2.5% back, and other spends earn about 0.5%. You get 8 railway lounge visits a year, train cancellation cover up to Rs 5,000, and 500 points when you spend Rs 500 in the first 30 days. It runs on RuPay, so it works with UPI.
It costs ₹500 a year and no spend-based waiver is stated. You would need about Rs 20,000 of IRCTC bookings a year to earn the fee back from tickets alone, though the lounges add value.
It suits regular train travellers. The catch is that it gives little outside rail travel.
Best for: Frequent train travellers, People who book on IRCTC for family, Students and workers who travel home by train.
01RBL Bank IRCTC Credit Card Rewards and Benefits
02RBL Bank IRCTC Credit Card Annual Fee and Charges
- Joining fee
- ₹500 + GST
- Annual fee
- ₹500 + GST
- Spend-based waiver
- None
- Rewards redemption fee
- Nil
- Forex markup
- 3.5%
- Interest rate
- 3.99% a month (47.88% a year)
- Fuel surcharge waiver
- No
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹20,000 on everything else, earning 0.5%₹100
- Back each month, ₹1,200 a year₹100
- Annual fee with 18% GST−₹590
- In your pocket each year₹610
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- Travel only at IRCTC train ticket bookings: 2.5% back
- Flyers: some airport lounge visits a year
Skip it if…
- you spend less than ₹10,000 a month: below that the ₹590 fee costs more than the rewards
- most of your spending is fuel, utility bills, rent or insurance: those earn nothing on this card
- you rarely spend on IRCTC train ticket bookings: the 2.5% rate applies only there, everything else earns 0.5%
- you often pay in foreign currency: 3.5% is added to every foreign spend
- you sometimes pay only the minimum due: interest of 3.99% a month (47.88% a year) outweighs any reward
04Product Details
- Joining and annual fee: ₹500 each
- About 2.5% back on IRCTC train ticket bookings
- About 0.5% on other spends
- 8 railway lounge visits a year
- Train cancellation cover up to ₹5,000
- RuPay card that works with UPI
05Pros and Cons
Pros
- Good returns on IRCTC bookings
- Free railway lounge visits
- Welcome points on a small first spend
- Links to UPI apps
Cons
- No stated fee waiver
- Only about 0.5% on non-rail spends
- No airport lounge access
- 3.5% forex markup
06How RBL Bank IRCTC Credit Card earns Rewards
0.5% on most spends; 2.5% only at partner merchants.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | 0.5% | No cap | The card's normal rate |
| Online shopping | 0.5% | No cap | The card's normal rate |
| Dining and food delivery | 0.5% | No cap | The card's normal rate |
| Groceries | 0.5% | No cap | The card's normal rate |
| Travel: flights, hotels, trains | 0.5% | No cap | Anywhere else in the category |
| Travel: flights, hotels, trains, only at listed merchants | 2.5% | No cap | Only at: IRCTC train ticket bookings (railway ticketing)Terms: 5 RP per ₹200 on IRCTC train tickets (2.5%; 1 RP = ₹1 on IRCTC). Plus 1% reversal of the IRCTC transaction/gateway charge on tickets up to ₹5,000, capped at ₹200 per month (not per booking) |
| Fuel | Earns nothing | - | earns nothing on this card |
| Bills and recharges | Earns nothing | - | earns nothing on this card |
| Rent | Earns nothing | - | earns nothing on this card |
| Insurance premiums | Earns nothing | - | earns nothing on this card |
| School and college fees | Earns nothing | - | earns nothing on this card |
| Wallet top-ups | Earns nothing | - | earns nothing on this card |
| Taxes and government payments | Earns nothing | - | earns nothing on this card |
| Spend abroad or in a foreign currency | 0.5% | No cap | The card's normal rate |
| Everything else | 0.5% | No cap | The card's normal rate |
Terms on the base rate. 1 RP per ₹200 on other spends (~0.5%, value realised on IRCTC redemption). FASTag/NCMC reload earns 3 RP per ₹200
07RBL Bank IRCTC Credit Card Travel Benefits
Railway lounges: 8 visits a year. 8 complimentary railway-station lounge visits a year (2 per quarter) at participating IRCTC lounges. Spending abroad carries a 3.5% forex markup; rewards on it: 0.5% back (the normal rate). See what it costs on your trip
Also on the card. insurance cover, airport lounge access, milestone bonuses.
- Insurance cover: Train Cancellation Shield, ex-gratia protection of up to ₹5,000 if a confirmed domestic train booking is cancelled, limited to one claim every six months (local, goods, unreserved and non-AC trains are excluded)
- Milestone bonuses: RBL credits 500 reward points on ₹75,000 of spend in a calendar quarter, and it can repeat each quarter, so this row is the annual equivalent, 2,000 points at the ₹3 lakh of yearly spend that clears the bar all four times
08RBL Bank IRCTC Credit Card Eligibility and Documents
- Employment
- Salaried or self-employed
Documents. PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph
09Recent Changes
What RBL Bank changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 7 Jan 2026 | Reduced: New 1% fee on large FASTag top-ups and toll paymentsSource: RBL Bank | No FASTag or toll transaction fee | 1% fee on any FASTag-loading or toll-payment transaction above ₹10,000 |
| 15 Oct 2024 | Reduced: New 1% fees on large fuel, utility & third-party education spendsSource: RBL Bank | No category transaction fees | 1% on large fuel/utility/education spends |
| 28 Aug 2024 | Changed: IRCTC RBL Bank Credit Card launched as a RuPay rail co-brandSource: RBL Bank | - | - |
See this card's change history → · All card changes in January 2026 →
10Cards Similar to RBL Bank IRCTC Credit Card
RBL Bank IRCTC Credit Card is a travel card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | RBL Bank IRCTC Credit Card |  Federal Scapia Credit card |  IDFC FIRST Millennia Credit Card |
|---|---|---|---|
| Joining fee | ₹500 + GST | Lifetime free | Lifetime free |
| Annual fee | ₹500 + GST | Lifetime free | Lifetime free |
| Rewards | 0.5% on most spends; 2.5% only at partner merchants | 2% on most spends; 4% only at partner merchants | 0.38% base, up to 1.25% on dining |
| Domestic lounge | Not included | Unlimited | Not included |
| Forex markup | 3.5% | 0% | 0% |
| Type | Travel | Travel | Dining |
11Explore More
Card facts last verified 11 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Never Miss Your RBL Bank IRCTC Credit Card Bill
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Common Questions
How much do I earn on IRCTC bookings?
5 reward points per ₹200 on IRCTC train tickets, about 2.5% back.
Does it give railway lounge access?
Yes, 8 railway lounge visits a year.
Can I use it on UPI?
Yes. It is a RuPay card, so you can link it to UPI apps.
What is the joining fee for the RBL Bank IRCTC Credit Card?
The joining fee is ₹500 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the RBL Bank IRCTC Credit Card?
The annual fee is ₹500 + GST.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with RBL Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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