IRCTC RBL Bank Credit Card
A railway co-brand card: 5 points per ₹200 on IRCTC train tickets (up to 1,000 points a billing cycle) and 1 point per ₹200 elsewhere, points worth ₹1 each when paying for train tickets on IRCTC, with a ₹500 fee. Every figure below is copied from RBL Bank’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Fees and charges
| Joining fee | ₹500 plus GST MITC |
|---|---|
| Annual fee | ₹500 plus GST MITC |
| Annual fee waiver | None on record |
| GST on fees | 18% |
| Foreign-currency markup | 3.5% of the transaction, plus GST MITC |
| RBL's key fact statement gives the joining fee as NIL and charges a ₹500 membership fee in the first year and each year after; the first-year fee is shown here as the joining fee. No spend-based fee waiver is published. | |
Rewards
Reward points, ₹1 each when redeemed as stated Terms.
| Spend | Earns | Cap |
|---|---|---|
| IRCTC train tickets (5 points per ₹200, up to 1,000 points a billing cycle) | 5 points per ₹200 Terms | up to 1,000 points a statement cycle Terms |
| Other eligible spends (1 point per ₹200) | 1 point per ₹200 Product page | no cap on record |
RBL defines a month as a billing cycle. Offline UPI payments under ₹2,000 at small merchants on the RuPay variant earn no points. Flights and hotels booked on IRCTC earn 2 points per ₹200 and FASTag, NCMC and UTS top-ups 3 per ₹200 (each up to 1,000 points a cycle); these are highlights, not modelled. Points used on IRCTC need a minimum of ₹200; RBL's general ₹99 redemption fee does not apply to redemptions on the IRCTC platform.
No rewards on
- Fuel and auto, utilities, insurance, rent, education, wallets and government services (also quasi-cash, contracted services, cash, Bills2Pay and EMI) Terms
Benefits
Also on this card
Quoted from RBL Bank; not counted in the net value.
- 1% IRCTC transaction charge reversed on train tickets up to ₹5,000, up to ₹200 a month Terms
- 8 railway executive lounge visits a year (2 a quarter), primary cardholder Product page
- ₹5,000 cover if a confirmed train booking is cancelled Product page
- 2 points per ₹200 on flights and hotels booked on IRCTC Product page
- 3 points per ₹200 on FASTag recharge (RBL channels), NCMC reload and UTS app Product page
- RuPay variant works on UPI and as an NCMC transit card Product page
Eligibility
The issuer does not publish its criteria on the pages read. Approval is its own decision.
Not published by RBL Bank in the documents read
- eligibility criteria
- a spend-based annual fee waiver
- a rupee value for points used outside IRCTC train bookings
The quotes behind the figures
24 figures, each copied from an official RBL Bank document.
Show every quote and source
“RBL Bank IRCTC Credit Card INR 500 INR 500 INR 200”
“Currently, standard rate of 18% will be levied on all Fees & charges under this MITC.”
“3.5% on all cards 2% on NovaTM Credit Card”
“The Cardmember will be able to redeem Reward Points at value of INR 1 per Reward Points at IRCTC Website / App.”
“5 Reward Points for every INR 200 spent on train ticket booking of all classes from IRCTC Website/ IRCTC Mobile App purchases except the defined exclusion category. The Cardmember can earn up to a maximum of 1000 rewards points in one month.”
“Earn 5 Reward Points per INR 200 spent on train ticket bookings through the IRCTC website or App.”
“It is clarified that `one month' is defined as one billing cycle assigned to the Card.”
“Earn 1 Reward Point per INR 200 spent everywhere from the things you love!”
“The Cardmember is eligible for 1 Reward Point per INR 200 spent on all spends other than accelerated except the defined exclusion categories. It is hereby clarified that the above-mentioned reward points cannot be accrued on category purchases made on: Fuel & Auto, Utilities, Insurance, Quasi-Cash, Real Estate/Rental, Education, Wallets/Service Providers, Government Services”
“your IRCTC RBL Bank Credit Card comes with a Membership Fee of INR 500 + GST.”
“Membership Fee - INR 500/- + GST (Applicable in 1st Year)”
“Your RBL Bank Credit Card Network Availability Guide Credit Card Variant MasterCard RuPay Visa”
“offline UPI transactions under INR 2,000 done at small merchants on RBL Bank RuPay Credit Card will not be eligible for rewards points”
“Value of 1 Reward Point shall be equivalent to INR 1 for Train ticket bookings only.”
“The Cardmember applying for the IRCTC RBL Bank Credit Card is entitled to a `Welcome Benefit' of 500 reward points on making an eligible retail transaction above INR 500 within 30 days from the date of the Card issuance”
“The Cardmember will be entitled to get 500 Reward Points on calendar quarter spends of INR 75,000 except the defined exclusion category.”
“Waiver of 1% Transaction charges on train ticket booking through IRCTC will be applicable for transaction amount up to INR 5000. The maximum waiver is capped up to INR 200 per month.”
“Relax before your journeys with 8 complimentary (2 visits per quarter) lounge access at railway stations.”
“Enjoy INR 5,000 cancellation protection in case your train is cancelled at the last minute.”
“you also earn 2 Reward Points per INR 200 spent on booking flights and hotels from the IRCTC website or App.”
“Earn 3 Reward Points per INR 200 swiped on FASTag recharge from RBL Bank Digital Channels/NCMC Reload/UTS App.”
“Scan and Pay (UPI wala Credit Card)”
“1 Reward Point on IRCTC= INR 1 Tap & Go Apply Now”
“IRCTC RBL Bank Credit Card ✔ ✔ -”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with RBL Bank or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is RBL Bank’s own file from its website, unaltered, fetched 2026-10-16. Methodology