IRCTC RBL Bank Credit Card

Joining Fee: ₹500 + GST
Renewal Fee: ₹500 + GST
Best Suited For: Travel
Reward Type: Reward Points
Welcome Benefites: Earn 500 Reward Points on spending a minimum of ₹500 within the first 30 days of card issuance.

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The IRCTC RBL Bank Credit Card is a co-branded offering from RBL Bank and the Indian Railway Catering and Tourism Corporation (IRCTC), designed to enhance the travel experience for frequent train travelers in India. With an annual fee of ₹500, cardholders can earn up to 5 reward points for every ₹200 spent on train ticket bookings through the IRCTC website or app, where 1 reward point equals ₹1 when redeemed on IRCTC platforms. Additional benefits include 8 complimentary railway lounge accesses annually (2 per quarter), a 1% transaction surcharge waiver on train ticket bookings (up to ₹200 per month), and a welcome bonus of 500 reward points upon spending ₹500 within the first 30 days of card issuance. The card also features 'Tap & Transit' for seamless metro and bus commutes and 'Scan & Pay' for instant UPI payments. These features make the IRCTC RBL Bank Credit Card a valuable companion for individuals who frequently travel by train and seek to maximize rewards on their travel-related expenditures.

New Features

Spend Based Waiver

Waiver of 1% Transaction Charges on IRCTC

Interest Rates

Add-on Card Fee

Rewards Redemption Fee

Fuel Surcharge

Foreign Currency Markup

Cash Advance Charges

Movie & Dining

Travel

International Lounge Access

Rewards Rate

Golf

Insurance Benefits

Reward Redemption

Redeem RPs at the IRCTC Website/Mobile App. 1 RP = ₹1

Domestic Lounge Access

Zero Liability Protection

Pros

This card is most useful for individuals who frequently book with IRCTC, particularly for train bookings, as it offers a 2.5% reward rate when booking train tickets through IRCTC.

Cons

The IRCTC RBL Credit Card is a travel card that offers no benefits in any other category, such as movies or dining. If this card had a few more varied benefits, it would have been the go-to choice for everyone.

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