IRCTC RBL Bank Credit Card on Electricity bills
No. The IRCTC RBL Bank Credit Card earns no rewards on Electricity bills.
On Electricity bills
0%
Other spends
0.5%
Rank for Electricity bills
#136 of 149
Annual fee
₹500 + Taxes
What to know before you pay on Electricity bills
How it works
2.5% on IRCTC train tickets (5 points per ₹200), 0.5% elsewhere, valuing points at ₹1 when used for IRCTC bookings (Point+Pay).
Caps & rules
- 5 reward points per ₹200 on IRCTC train bookings (capped at 1,000 points a month), 2 per ₹200 on IRCTC flights, hotels and cruises, 1 per ₹200 elsewhere.
- 1 point = ₹1 when redeemed on IRCTC via Point+Pay.
Reward limits
- 5 points per ₹200 on IRCTC train bookings: max 1,000 points per month
- 1 point per ₹200 elsewhere: No limit
No rewards on
Fuel, rent, wallet loads, government payments
Checked 2026-10-11 · Bank terms
Cards that earn more on Electricity bills
-
#1
PhonePe SBI Card SELECT BLACK
SBI Card · ₹1,499 + Taxes · Max ₹1,500 a month
10%
Apply now -
#2
HSBC Live+ Credit Card
HSBC Bank · Free · Max ₹1,200 a month
10%
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#3
BOBCARD Cashback Credit Card
Bank of Baroda · ₹499 + Taxes a year, or ₹49 a month · Max ₹1,875 per statement cycle
5%
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Where else the IRCTC RBL Bank Credit Card earns more
Questions
Does the IRCTC RBL Bank Credit Card give rewards on Electricity bills?
No. The IRCTC RBL Bank Credit Card earns no rewards on Electricity bills.
Is there a limit on IRCTC RBL Bank Credit Card rewards?
5 reward points per ₹200 on IRCTC train bookings (capped at 1,000 points a month), 2 per ₹200 on IRCTC flights, hotels and cruises, 1 per ₹200 elsewhere. 1 point = ₹1 when redeemed on IRCTC via Point+Pay.
Which credit card is best for Electricity bills?
PhonePe SBI Card SELECT BLACK is the best pick for regular spending on Electricity bills, with 10% back. The IRCTC RBL Bank Credit Card ranks #136 of 149 cards we compared, by what each returns after caps.