YES Bank RESERV Credit Card on IRCTC
No. The YES Bank RESERV Credit Card earns no rewards on IRCTC.
On IRCTC
0%
Other spends
1.5%
Rank for IRCTC
#144 of 149
Annual fee
₹2,499 + Taxes
What to know before you pay on IRCTC
How it works
Online 3% at ₹0.25/point (36,000 points per cycle max). Utility bills are a 'select' category at 0.75%.
Caps & rules
- 24 points per ₹200 online (3%), 12 offline (1.5%), 6 on select categories like utilities/DTH (0.75%, utility points capped at 750 per cycle).
- Max 36,000 points per statement cycle.
- ₹0.25 per point on flights/hotels.
- Forex markup 2% from 15 Jun 2026.
Reward limits
- All reward points: max 36,000 points per statement cycle
- Points on utility bills: max 750 points per statement cycle
No rewards on
From 15 Jun 2026: rent, wallet, fuel, UPI, government, marketing/advertising, insurance, education, railways, toll, ferry, cash, EMI
Checked 2026-10-03 · Bank terms
Cards that earn more on IRCTC
-
#1
IRCTC SBI Card Premier
SBI Card · ₹1,499 + Taxes
10%
Apply now -
#2
6.67%
Apply now -
#3
YES Bank POP CLUB Credit Card
YES Bank · Free · No cap
5%
Apply now
Where else the YES Bank RESERV Credit Card earns more
Questions
Does the YES Bank RESERV Credit Card give rewards on IRCTC?
No. The YES Bank RESERV Credit Card earns no rewards on IRCTC.
Is there a limit on YES Bank RESERV Credit Card rewards?
24 points per ₹200 online (3%), 12 offline (1.5%), 6 on select categories like utilities/DTH (0.75%, utility points capped at 750 per cycle). Max 36,000 points per statement cycle. ₹0.25 per point on flights/hotels. Forex markup 2% from 15 Jun 2026.
Which credit card is best for IRCTC?
IRCTC SBI Card Premier gives the most on IRCTC, 10% back. The YES Bank RESERV Credit Card ranks #144 of 149 cards we compared.