IDFC FIRST WOW! Credit Card on IRCTC
Yes, but only its standard rate: the IDFC FIRST WOW! Credit Card gives 0.12% back on IRCTC, the same as most other spends.
On IRCTC
0.12%
Other spends
0.5%
Rank for IRCTC
#135 of 149
Annual fee
Free
What to know before you pay on IRCTC
How it works
Flat 0.5% almost everywhere; bills and railway 0.125%.
Caps & rules
- 4 points per ₹200 on online, offline and international spends (0.5%); 1 per ₹200 on insurance, utilities, FASTag and railway.
- 1 point = ₹0.25.
- FD-backed, lifetime free, zero forex.
Reward limits
- 4 points per ₹200 on online, offline and international spends: Points only on spends up to your credit limit per billing cycle
No rewards on
Fuel, EMI, cash withdrawals. Utilities, insurance, railway and FASTag earn only 1X. Points only on spends up to your credit limit per cycle. ₹99 + GST per redemption.
Checked 2026-10-03 · 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
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Where else the IDFC FIRST WOW! Credit Card earns more
Questions
Does the IDFC FIRST WOW! Credit Card give rewards on IRCTC?
Yes, but only its standard rate: the IDFC FIRST WOW! Credit Card gives 0.12% back on IRCTC, the same as most other spends.
Is there a limit on IDFC FIRST WOW! Credit Card rewards?
4 points per ₹200 on online, offline and international spends (0.5%); 1 per ₹200 on insurance, utilities, FASTag and railway. 1 point = ₹0.25. FD-backed, lifetime free, zero forex.
Which credit card is best for IRCTC?
IRCTC SBI Card Premier gives the most on IRCTC, 10% back. The IDFC FIRST WOW! Credit Card ranks #135 of 149 cards we compared.