Cheq AU Credit Card on IRCTC
Yes. The Cheq AU Credit Card gives 2.5% back when you pay on IRCTC directly, compared with 0.5% on its other spends.
On IRCTC
2.5%
Other spends
0.5%
Rank for IRCTC
#18 of 149
Annual fee
₹499 + Taxes
What to know before you pay on IRCTC
Cap on IRCTC
Max ₹6,000 a month (12,000 accelerated points)
How it works
Rates for the Visa card, valuing CheQ points at ₹0.50 (2 points = ₹1, for flights, hotels and vouchers in the CheQ app). Partner brands earn 6%, other online, food, grocery and travel spends 2.5%. Bills paid in the CheQ app earn 24 points per ₹200 but redeem at 4 points = ₹1 (3%). Cashback redemption is worth ₹0.25 a point, which halves every rate.
Caps & rules
- Visa variant (and UPI via the CheQ app): 24 CheQ points per ₹200 at partner brands (Amazon, Flipkart, Zomato, BigBasket, Apple via Unicorn, CheQ Travel) and on bills paid in the CheQ app.
- 10 points per ₹200 on food delivery, marketplaces, apparel, electronics, grocery and travel.
- 5 points per ₹200 on other UPI via the CheQ app.
- 2 points per ₹200 elsewhere.
- Accelerated points capped at 12,000 a month (about ₹6,000).
- Min ₹200 per transaction.
- 2 points = ₹1 on flights, hotels and vouchers; 4 points = ₹1 for bill payments and cashback.
- RuPay card swipes on partners earn only 2 points per ₹200.
Reward limits
- 12% at partner brands and 5% on key categories: max 12,000 CheQ points per month
- 1% on other spends (₹200 and above): No limit
No rewards on
Wallets, jewellery/gold, rent, insurance, education, government, fuel, EMI, gaming, cash
Checked 2026-10-11 · Bank terms
Cards that earn more on IRCTC
-
#1
IRCTC SBI Card Premier
SBI Card · ₹1,499 + Taxes
10%
Apply now -
#2
6.67%
Apply now -
#3
YES Bank POP CLUB Credit Card
YES Bank · Free · No cap
5%
Apply now
Where else the Cheq AU Credit Card earns more
Questions
Does the Cheq AU Credit Card give rewards on IRCTC?
Yes. The Cheq AU Credit Card gives 2.5% back when you pay on IRCTC directly, compared with 0.5% on its other spends.
Is there a limit on Cheq AU Credit Card rewards?
Visa variant (and UPI via the CheQ app): 24 CheQ points per ₹200 at partner brands (Amazon, Flipkart, Zomato, BigBasket, Apple via Unicorn, CheQ Travel) and on bills paid in the CheQ app. 10 points per ₹200 on food delivery, marketplaces, apparel, electronics, grocery and travel. 5 points per ₹200 on other UPI via the CheQ app. 2 points per ₹200 elsewhere. Accelerated points capped at 12,000 a month (about ₹6,000). Min ₹200 per transaction. 2 points = ₹1 on flights, hotels and vouchers; 4 points = ₹1 for bill payments and cashback. RuPay card swipes on partners earn only 2 points per ₹200.
Which credit card is best for IRCTC?
IRCTC SBI Card Premier gives the most on IRCTC, 10% back. The Cheq AU Credit Card ranks #18 of 149 cards we compared.