The RBL Bank IRCTC Credit Card is a co-branded card for people who travel by train. It earns 5 reward points per ₹200 on IRCTC train bookings, and each point is worth ₹1 on IRCTC, so you effectively get about 2.5% back on tickets. Add 8 railway lounge visits a year, cancellation cover and FASTag rewards, and it is a handy card for ₹500 + GST a year.
How the rewards work
| What you do | What you earn | Notes |
|---|---|---|
| Train tickets on IRCTC website/app | 5 points per ₹200 | ~2.5% (1 point = ₹1 on IRCTC) |
| FASTag recharges via RBL digital channels | Up to 3 points per ₹200 | Shared cap of 1,000 points a month |
| Flights and hotels via IRCTC | 2 points per ₹200 | Shared cap of 1,000 points a month |
| Welcome | 500 points | On a ₹500+ purchase within 30 days |
| Quarterly milestone | 500 points | Spend ₹75,000 in a quarter |
Milestone exclusions: wallet loads, cash withdrawals, rent, utilities, fuel and insurance don’t count towards the ₹75,000 quarterly spend.
What you would actually earn
Say you book ₹4,000 of train tickets a month. That earns 100 points, worth ₹100 on IRCTC, or ₹1,200 a year. Add 500 welcome points and a couple of lounge visits, and the card comfortably earns back its ₹500 + GST fee. Keep in mind the ₹99 + GST charge each time you redeem, so it is better to redeem in larger batches.
Travel benefits
- IRCTC Executive Lounges: up to 8 visits a year (2 per quarter) at select stations, with a 2-hour stay, buffet meals, tea/coffee, newspapers and changing rooms.
- Cancellation protection: cover of up to ₹5,000 for trains cancelled by Indian Railways within 24 hours of the scheduled departure.
Tips to get the most from it
- Book all your train tickets on the IRCTC website or app with this card, since that is where the 5-point rate applies.
- Recharge your FASTag through RBL Bank’s digital channels to earn points on tolls too.
- Let points build up and redeem in fewer, larger batches to limit the ₹99 + GST redemption fee.
- Check which stations have IRCTC Executive Lounges before long journeys and use your 2 visits each quarter.
Fees and charges
| Joining fee | ₹500 + GST |
|---|---|
| Annual fee | ₹500 + GST |
| Reward redemption fee | ₹99 + GST per redemption |
Eligibility
| Age | 21 to 65 years |
|---|---|
| Employment | Salaried or self-employed |
| Income (salaried) | ₹15,000 a month |
| Income (self-employed) | ITR above ₹2 lakh a year |
| Credit score | 720+ |
| First credit card? | Not allowed |
Documents you will need
- Identity: PAN card (or Form 60)
- Address: Aadhaar, passport or a recent utility bill
- Income: latest salary slips or bank statements
- Photo: a recent passport-size photograph
How to apply
- Tap Apply on RBL Bank site on this page to open RBL Bank’s credit card application.
- Fill in your details using your Aadhaar-linked mobile number and submit the application.
- Complete video KYC from your current address when prompted.
- Activate the card with a transaction within 30 days; spending ₹500 or more also earns the 500 welcome points.
Who should get it, and who shouldn’t
Get it if you book train tickets on IRCTC every month, especially AC classes, and would use railway lounges on longer journeys.
Skip it if you rarely take the train, or if this would be your first credit card, as new-to-credit applicants are not accepted.
