RBL IRCTC Credit Card: Fees, Rewards & Benefits

Travel card with lounge access

Vyaya Team · Jun 2026

5 min read

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Value Score

9.0 / 10

Annual Fee

₹500

Best For

Frequent train traveller, Transit commuter

Network

RuPay

Expert Verdict

The RBL IRCTC is a niche rail-travel card that delivers genuine value for IRCTC bookings via 5X points worth Re. 1 each, an IRCTC charge waiver, railway lounges and UPI/NCMC support, all at a low Rs. 500 fee. The 0.5% base rate and the 1,000-point monthly caps keep it a supplementary card for train-heavy users.

RBL BANKRuPay

RBL IRCTC

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REWARD SUMMARY

0.5% Base Rewards
Travel card with lounge access

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The Bottom Line

The RBL IRCTC is built for frequent train traveller and transit commuter. With a ₹500 annual fee, it offers 2.5% rewards on irctc website / irctc mobile app (travel) and 500 bonus points. It makes the most sense if your spending matches frequent train traveller and transit commuter.

It earns a base reward rate of 0.5% and stacks best when your spending lines up with Frequent train traveller, Transit commuter.

What we like

+Strong rail-booking value: 5X earning (5 points per Rs. 200) on IRCTC bookings, with points valued at a full Re. 1.00 each.

+Low Rs. 500 annual fee and a 1% transaction-charge waiver on IRCTC train ticket bookings up to Rs. 5,000 (max Rs. 200 per month).

+8 complimentary domestic IRCTC railway lounge visits a year for the primary cardholder, plus a Train Cancellation Shield worth Rs. 5,000.

+RuPay variant supports Credit Card on UPI and NCMC tap-and-transit, with 3X earning (3 points per Rs. 200) on transit reloads.

What we don't

–Accelerated IRCTC and transit earning is each capped at 1,000 points per month, limiting heavy bookers.

–Very weak base rate of 1 point per Rs. 200 (about 0.5% back) on regular spends.

–Long earning exclusion list: fuel, utilities, education, government, insurance, railways (non-IRCTC), rent and wallets earn nothing.

–Offline UPI transactions under Rs. 2,000 at small merchants earn no rewards, and only one quarterly milestone (500 points at Rs. 75,000).

Who Should Get This Card

Use this as a quick filter before comparing rewards or fees in detail.

Best fit for

Ideal

Frequent train traveller

Someone who books rail tickets regularly on the IRCTC website or app and wants 5X points (worth Re. 1 each) plus the 1% IRCTC transaction-charge waiver and railway lounge access.

Transit commuter

A daily commuter who reloads NCMC or transit passes and uses Credit Card on UPI, capturing the 3X transit earning on a low Rs. 500 fee.

Probably not for

Skip

–

General-purpose spender

Anyone using the card for everyday shopping earns only about 0.5% back, far below dedicated rewards cards.

–

Air traveller or overseas user

With no international lounge access and benefits centred on rail, this is not a card for flyers or foreign spending.

Is It Worth It For You?

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Reward Rates

RBL IRCTC offers 0.5% basic reward rate.

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Where

Amount

₹

IRCTC Website / IRCTC Mobile App (Travel)

2.5%

RBL Bank Digital Channels / NCMC Reload / UTS App (Transit)

1.5%

IRCTC Website / IRCTC Mobile App (Travel)

Welcome Offer

500 Reward Points

500 Reward Points on making an eligible retail transaction above INR 500 within 30 days of card issuance, subject to payment of the annual membership fee by the payment due date. Effectively offsets the joining fee. Credited within 60 days of card issuance.

Value: ₹500

Milestone Benefits

Spend ₹75,000

500 Reward Points on calendar quarter spends of INR 75,000, excluding the defined exclusion categories.

Fees & Charges

Joining fee₹500

Annual fee₹500

Fee waiverN/A

Eligibility

Min Credit Score: 750
Age 21-70; salaried or self-employed; RuPay card with UPI; reward points redeemable on IRCTC at 1 RP = Rs 1.

Exclusions & Terms

EMI conversion of retail transactions

Does not earn reward points. Includes Split-N-Pay & EMI conversion requests placed at the time of transaction at POS/Web/Mobile App.

Bills2Pay

Does not earn reward points.

Fees, charges & GST

Does not earn reward points.

Offline UPI under INR 2000 at small merchants

Offline UPI transactions under INR 2000 at small merchants (turnover up to INR 20 lakh in previous FY) on RuPay do not earn reward points or other benefits.

Frequently Asked Questions

3 data-backed answers from our card database

What is the annual fee of the RBL IRCTC?+

The RBL IRCTC has an annual fee of ₹500.

What rewards does the RBL IRCTC offer?+

It earns Reward Points, with accelerated earning on Travel.

Does the RBL IRCTC offer airport lounge access?+

Yes, it includes complimentary airport lounge access. See the benefits section for visit limits.

Ready to apply?

₹500 annual fee. Apply on the RBL Bank website.

Apply on RBL Bank →

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