PNB LUXURA Visa Credit Card on IRCTC
Yes. The PNB LUXURA Visa Credit Card gives 3% back when you pay on IRCTC directly, compared with 1% on its other spends.
On IRCTC
3%
Other spends
1%
Rank for IRCTC
#13 of 149
Annual fee
Free
What to know before you pay on IRCTC
How it works
1% everywhere (4 points per ₹100) and 3% on travel and dining (3X), at ₹0.25 a point.
Caps & rules
- 4 reward points per ₹100; 3X (12 per ₹100) on travel and dining.
- 4 points = ₹1.
- 20,000 points welcome on ₹50,000 spend in 90 days; 10,000 at ₹5 Lakh annual spend.
- ₹4,999 joining and ₹1,999 annual fee, waived at ₹6 Lakh.
No rewards on
Fuel, rent, wallet loads, government payments
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 PNB LUXURA Visa Credit Card earns more
Questions
Does the PNB LUXURA Visa Credit Card give rewards on IRCTC?
Yes. The PNB LUXURA Visa Credit Card gives 3% back when you pay on IRCTC directly, compared with 1% on its other spends.
Is there a limit on PNB LUXURA Visa Credit Card rewards?
4 reward points per ₹100; 3X (12 per ₹100) on travel and dining. 4 points = ₹1. 20,000 points welcome on ₹50,000 spend in 90 days; 10,000 at ₹5 Lakh annual spend. ₹4,999 joining and ₹1,999 annual fee, waived at ₹6 Lakh.
Which credit card is best for IRCTC?
IRCTC SBI Card Premier gives the most on IRCTC, 10% back. The PNB LUXURA Visa Credit Card ranks #13 of 149 cards we compared.