Travel on Points

IRCTC RBL Bank Credit Card

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  • Joining fee

    ₹500 + GST

  • Annual fee

    ₹500 + GST

  • Best suited for

    Travel

  • Reward type

    Reward Points

Rewards

  • Rewards rate

    5 RPs/₹200 Spent on Train Bookings and 2 RPs/₹200 Spent on Hotel/Flights/Cruise Bookings (All Bookings to be Made With IRCTC). 1 RP/₹200 Spent on Other Eligible Purchases

  • Welcome benefits

    500 Reward Points

  • Reward redemption

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

Benefits

  • Travel

    2 Complimentary Railway Lounge Visits Each Quarter (8 Each Year)

  • Insurance

    Insurance Cover for Train Cancellation Upto ₹5,000

Fees & charges

  • Rewards redemption fee

    ₹99 + GST

  • Foreign currency markup

    3.5%

  • Interest rates

    2.5% to 3.99% Per Month

  • Fuel surcharge waiver

    1% Surcharge Waiver

  • Cash advance charges

    2.5% of the Cash Amount or a Minimum of ₹500

Product highlights

  • The IRCTC RBL Bank Credit Card offers 5 Reward Points/₹200 spent on train ticket bookings with IRCTC.
  • This is a co-branded credit card offered by RBL Bank and IRCTC.
  • Eight complimentary railway lounge accesses are available each year with this card.
  • Train cancellation cover upto ₹5,000 is offered along with the IRCTC RBL Credit Card.
  • Make quick and easy payments via UPI using the IRCTC RBL RuPay Credit Card.

Pros & cons

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.

FAQs

What shall be the limit of my IRCTC RBL Bank Credit Card?

Your credit card limit will be determined based on RBL Bank’s internal criteria. You will be notified of your credit card limit through the welcome letter and monthly credit card limits.

Can add-on IRCTC RBL Credit Cardholders also access railway lounges?

No, the complimentary railway lounge access is only available for primary credit cardholders.

What is the joining fee for the IRCTC RBL Bank Credit Card?

The IRCTC RBL Bank Credit Card can be applied for by paying a joining charge of ₹500 + GST, which is also charged as an annual fee.