IDFC FIRST Classic Credit Card on IRCTC
Yes, but only its standard rate: the IDFC FIRST Classic Credit Card gives 0.12% back on IRCTC, the same as most other spends.
On IRCTC
0.12%
Other spends
0.38%
Rank for IRCTC
#137 of 149
Annual fee
Free
What to know before you pay on IRCTC
How it works
10X (1.25%) on dining, travel and international spends and on your birthday; 3X (0.375%) on most spends; 1X on utilities, insurance and railways. Swiggy and Zomato get 10X if coded as dining.
Caps & rules
- 1X = 1 reward point per ₹200; 1 point = ₹0.25.
- 10X on dining, travel, international and birthday spends; 3X on other eligible spends and UPI; 1X on some categories.
- Points earned only on spends up to your credit limit each cycle; valid 24 months.
- 20% bonus points on hotels and 10% on flights booked in the IDFC FIRST app.
- ₹99 + GST per redemption.
- Lifetime free.
Reward limits
- Reward points on all spends: Up to your credit limit per billing cycle
No rewards on
Fuel, EMI, ATM cash withdrawals
Checked 2026-10-11 · Bank terms
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Questions
Does the IDFC FIRST Classic Credit Card give rewards on IRCTC?
Yes, but only its standard rate: the IDFC FIRST Classic Credit Card gives 0.12% back on IRCTC, the same as most other spends.
Is there a limit on IDFC FIRST Classic Credit Card rewards?
1X = 1 reward point per ₹200; 1 point = ₹0.25. 10X on dining, travel, international and birthday spends; 3X on other eligible spends and UPI; 1X on some categories. Points earned only on spends up to your credit limit each cycle; valid 24 months. 20% bonus points on hotels and 10% on flights booked in the IDFC FIRST app. ₹99 + GST per redemption. Lifetime free.
Which credit card is best for IRCTC?
IRCTC SBI Card Premier gives the most on IRCTC, 10% back. The IDFC FIRST Classic Credit Card ranks #137 of 149 cards we compared.