IRCTC RBL Bank Credit Card
Fees
₹500 + Taxes
Joining & annual
Reward Rate
5 Reward Points per ₹200 on IRCTC train bookings (2.5% value-back); 3 points per ₹200 on FASTag recharges
Welcome Bonus
Welcome gift benefit on card activation & joining fee payment
Lounge
8 Railway Lounges/yr (2/Qtr)
Our Expert Take
The IRCTC RBL Bank Credit Card from RBL Bank offers IRCTC Train Ticket Bookings & Railway Lounge Access with an annual fee of ₹500 + Taxes.
Reward limits
Checked 11 Oct 2026 · Bank terms
-
5 points per ₹200 on IRCTC train bookings
Max 1,000 points per month
Reached after about ₹40,000 of spend
-
1 point per ₹200 elsewhere
No limit
Where this card earns most
Paying directly in the app or site · 0.5% on other spends
Pros & Cons
Key Advantages
- 5 Reward Points per ₹200 on IRCTC train bookings plus a 1% transaction charge waiver
- 8 railway lounge visits/year at select stations
- Trip cancellation protection cover up to ₹5,000 on IRCTC-cancelled trains
- Fee waiver threshold (Annual fee waived on ₹1.5 Lakh annual retail spends)
Limitations
- Base reward rate on non-IRCTC spends is modest
- No airport lounge access, only railway lounges
- A nominal ₹2 charge applies each time the card is validated for lounge access
Key Perks & Spending Milestones
Accelerated reward earn rate on travel purchases
1% fuel surcharge waiver on transactions between ₹400 and ₹4,000
Up to 50 days of interest-free credit period
Zero lost card liability protection
Spend milestone
Annual fee waived on ₹1.5 Lakh annual retail spends
Fees & Charges
Joining fee
₹500 + Taxes
Annual fee
₹500 + Taxes
Annual fee waived on ₹1.5 Lakh annual retail spends
Interest rate
3.6% per month (43.2% per annum)
Late payment fee
- Up to ₹500
- Nil
- ₹501 to ₹1,000
- ₹500
- ₹1,001 to ₹5,000
- ₹600
- ₹5,001 to ₹10,000
- ₹750
- ₹10,001 to ₹25,000
- ₹900
- ₹25,001 to ₹50,000
- ₹1,100
- Above ₹50,000
- ₹1,300
Insurance & Protection Benefits
air accident cover
Up to ₹50 Lakh
lost card liability
Up to ₹1 Lakh
purchase protection
Nil
emergency medical cover
Nil
Eligibility Criteria
salaried minimum income
₹25,000 per month
self employed ITR
₹6 Lakh per annum
age
21 to 65 years
Credit score & income
Good (730+)
Frequently Asked Questions
What's the reward rate on IRCTC RBL Bank Credit Card?
How many railway lounge visits does this card offer?
Compare IRCTC RBL Bank Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| IRCTC RBL Bank Credit Card This Card | ₹500 + Taxes | 5 Reward Points per ₹200 on IRCTC train bookings (2.5%... | 8 Railway Lounges/yr (2/Qtr) | 4.3/5 |
| HDFC Infinia Credit Card Metal Edition | ₹12,500 + Taxes | 5 reward points per ₹150; up to 10X on SmartBuy flight/hotel bookings | Unlimited Domestic + International | 4.9/5 |
| Axis Bank ATLAS Credit Card | ₹5,000 + Taxes | 5 EDGE Miles per ₹100 on travel; 2 EDGE Miles per ₹100 on general spends | 8 Domestic + 4 International/yr | 4.8/5 |
| Axis Bank Burgundy Private Credit Card | ₹50,000 + Taxes | 15 EDGE Reward points per ₹200 spent on retail and international... | Unlimited Domestic + International | 4.8/5 |