Kotak UPI Rupay Credit Card on IRCTC
No. The Kotak UPI Rupay Credit Card earns no rewards on IRCTC.
On IRCTC
0%
Other spends
0.3%
Rank for IRCTC
#143 of 149
Annual fee
Free
What to know before you pay on IRCTC
How it works
Flat 0.3% everywhere at Kotak's ₹0.10 per point.
Caps & rules
- 3 Reward Points per ₹100 on UPI and card spends.
- 1,000 points = ₹100 (₹0.10 each, min 1,000 to redeem); lower for cash value.
- That works out to 0.3% back.
Reward limits
- 3 points per ₹100 on UPI and card spends: No limit
- Points on utility bills: Only on the first ₹35,000 per statement cycle
No rewards on
Rent, fuel, railway, wallet, EMI, education, balance transfer. From 1 Jun 2025: wallet loads, online skill gaming, insurance, government, rent, education and fuel earn nothing; utility spends earn only up to ₹35,000 per statement cycle
Checked 2026-09-28 · Bank terms
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Questions
Does the Kotak UPI Rupay Credit Card give rewards on IRCTC?
No. The Kotak UPI Rupay Credit Card earns no rewards on IRCTC.
Is there a limit on Kotak UPI Rupay Credit Card rewards?
3 Reward Points per ₹100 on UPI and card spends. 1,000 points = ₹100 (₹0.10 each, min 1,000 to redeem); lower for cash value. That works out to 0.3% back.
Which credit card is best for IRCTC?
IRCTC SBI Card Premier gives the most on IRCTC, 10% back. The Kotak UPI Rupay Credit Card ranks #143 of 149 cards we compared.