Standard Chartered Smart Credit Card on IRCTC
Yes. The Standard Chartered Smart Credit Card gives 2% back when you pay on IRCTC directly, compared with 1% on its other spends.
On IRCTC
2%
Other spends
1%
Rank for IRCTC
#23 of 149
Annual fee
₹499 + Taxes
What to know before you pay on IRCTC
Cap on IRCTC
Max ₹1,000 a month (online cashback)
How it works
2% cashback on online spends (up to ₹1,000 a month) and 1% on other spends (up to ₹500 a month). Fuel earns nothing.
Caps & rules
- 2% cashback on online spends, max ₹1,000 a month.
- 1% on other spends, max ₹500 a month.
- Fuel not eligible.
Reward limits
- 2% on online spends: max ₹1,000 per month
- 1% on other spends: max ₹500 per month
No rewards on
Fuel, cash withdrawals
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%
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#3
YES Bank POP CLUB Credit Card
YES Bank · Free · No cap
5%
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Where else the Standard Chartered Smart Credit Card earns more
Questions
Does the Standard Chartered Smart Credit Card give rewards on IRCTC?
Yes. The Standard Chartered Smart Credit Card gives 2% back when you pay on IRCTC directly, compared with 1% on its other spends.
Is there a limit on Standard Chartered Smart Credit Card rewards?
2% cashback on online spends, max ₹1,000 a month. 1% on other spends, max ₹500 a month. Fuel not eligible.
Which credit card is best for IRCTC?
IRCTC SBI Card Premier gives the most on IRCTC, 10% back. The Standard Chartered Smart Credit Card ranks #23 of 149 cards we compared.