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IRCTC RBL Bank Credit Card
RuPay 📡 Contactless NFC

IRCTC RBL Bank Credit Card

Joining Fee₹500
Annual Fee₹500
Forex Markup 3.5%

⚖️ Card Verdict & Target Persona

Who Should Apply

Indian Railways commuters and frequent IRCTC train ticket bookers wanting accelerated reward points on bookings, RuPay UPI convenience, and an easy ₹50k spend waiver.

Who Should Avoid

Air travelers seeking airport lounge access or users who rarely travel by train.

🎁 Key Features & Highlights

🎉

Joining & Activation Welcome Gift

500 bonus Reward Points credited on completing the first transaction within 30 days of card setup

5X Rewards on IRCTC Train Bookings

Earn 5 Reward Points per ₹200 (up to 2.5% return) on train ticket bookings made via the IRCTC website or mobile app.

500 Welcome Bonus Reward Points

Earn 500 bonus Reward Points on card activation within 30 days of issuance.

Spend-Based Annual Fee Waiver

Annual renewal fee of ₹500 is waived off on spending ₹50,000 or more in the previous anniversary year.

💰 Reward Structure & Point Valuation

1 Reward Points = ₹1
Standard Base Earning
1 Reward Point per ₹200 spent on all other retail purchases (0.50% return; 1 RP = ₹1.00 for IRCTC tickets)
Accelerated / Partner Rate
5 Reward Points per ₹200 (2.5% return) on train ticket bookings via irctc.co.in or IRCTC app (capped at 1,000 reward points/month); 1% transaction surcharge waiver on IRCTC bookings
Points Validity:24 Months
Redemption Fee: ₹99 + GST / cycle
Redemption Modes: Train Ticket Bookings via IRCTC Website/App (1 RP = ₹1.00), RBL Rewards Catalog Vouchers
🚫 No Reward Points / Cashback on:
Fuel Wallet Loads Rent Payments Government Transactions Cash Advances EMI

🛋️ Airport Lounge Access & Spend Criteria

✗ No Free Lounge Access
🛫
Domestic Lounge VisitsNone
🌐
International Lounge VisitsNone
⚠️

Spend Criteria: None

⚡ Spend Milestones & Special Perks

Annual Fee Waiver ₹50,000/yr
Annual renewal fee of ₹500 + GST is waived off on spending ₹50,000 or more in the previous anniversary year
UPI Payments Support✓ Supported (RuPay)
1 Reward Point per ₹200 on eligible merchant RuPay UPI QR transactions
Fuel Surcharge Waiver1% Surcharge Waived
1% fuel surcharge waiver for transactions between ₹500 and ₹4,000 (Capped at ₹100/mo)

📋 Eligibility Criteria

✓ Official Criteria
Age Limit21 - 65 Years
Min. Monthly Income₹30,000
Min. Credit Score750 CRIF
Employment TypeSalaried / Self-Employed

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):3.99% per month (47.88% per annum)
Late Payment Penalties:Late payment charges slab-based up to ₹1,300
Official Bank Portal Application

Get the IRCTC RBL Bank Credit Card

Annual Fee: ₹500/yr (Waivable)

Personalized Card Matcher

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Frequently Asked Questions

No, IRCTC RBL Bank Credit Card has a joining fee of ₹500 and an annual renewal fee of ₹500 (plus applicable taxes).