AU Zenith+ Credit Card on IRCTC
Yes. The AU Zenith+ Credit Card gives 2% back when you pay on IRCTC directly, compared with 1% on its other spends.
On IRCTC
2%
Other spends
1%
Rank for IRCTC
#21 of 149
Annual fee
₹4,999 + Taxes
What to know before you pay on IRCTC
Cap on IRCTC
No cap
How it works
2% on dining and travel, 1% elsewhere, valuing points at ₹1 as AU states. One reviewer values AU points at ₹0.25 in the catalogue, so check the redemption route you'd use.
Caps & rules
- 2 reward points per ₹100 on dining, travel and international spends; 1 per ₹100 on other retail.
- 1,000 bonus points a month on ₹75,000 retail spend in a cycle.
- AU says each point is worth ₹1.
- 0.99% forex markup.
- Metal card.
Reward limits
- 2 points per ₹100 on dining, travel and international: No limit
- 1 point per ₹100 on other spends: No limit
No rewards on
Fuel, rent, wallet loads, government payments, EMI
Checked 2026-10-11 · Bank terms
Cards that earn more on IRCTC
-
#1
IRCTC SBI Card Premier
SBI Card · ₹1,499 + Taxes
10%
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#2
6.67%
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#3
YES Bank POP CLUB Credit Card
YES Bank · Free · No cap
5%
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Where else the AU Zenith+ Credit Card earns more
Questions
Does the AU Zenith+ Credit Card give rewards on IRCTC?
Yes. The AU Zenith+ Credit Card gives 2% back when you pay on IRCTC directly, compared with 1% on its other spends.
Is there a limit on AU Zenith+ Credit Card rewards?
2 reward points per ₹100 on dining, travel and international spends; 1 per ₹100 on other retail. 1,000 bonus points a month on ₹75,000 retail spend in a cycle. AU says each point is worth ₹1. 0.99% forex markup. Metal card.
Which credit card is best for IRCTC?
IRCTC SBI Card Premier gives the most on IRCTC, 10% back. The AU Zenith+ Credit Card ranks #21 of 149 cards we compared.