IRCTC RBL Bank Credit Card
The IRCTC RBL Bank Credit Card is a entry co-branded credit card from RBL Bank and IRCTC, with a joining fee of ₹500 + GST.
It earns up to 10 pts per ₹125 (≈8.0% value) on IRCTC spends in the form of irctc reward points (points).
Cardholders get 8 annual domestic airport lounge access.
- Joining Fee₹500
- Annual Fee₹500
- Best Suited ForLifestyle & travel
- Reward TypeIRCTC Reward Points (points)
- 10 pts per ₹125 on irctc rail bookings (cap 1000 points / monthly)
- 2 pts per ₹125 on groceries department stores utilities
- Base 0.76% on other spends
- Not applicable
Rewards and Benefits
- IRCTC transaction charge waiver — Waiver of the 1% + GST transaction charge on IRCTC ticket bookings.
See the math — accelerations & caps
What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.
No accelerated categories apply to the spend you entered — everything earns the base rate.
Base-rate spend
Non-accelerated spend, summarized at this card's base rate.
- Online shopping₹15,000 · 0.8% = ₹120/mo
- Groceries₹8,000 · 0.8% = ₹64/mo
- Dining & food delivery₹8,000 · 0.8% = ₹64/mo
- Fuel₹4,000 · 0.0% = ₹0/mo
- Travel & hotels₹10,000 · 0.8% = ₹80/mo
Travel & hotels — earns base; accelerated rate needs booking via irctc-direct
- Utilities & bills₹5,000 · 0.8% = ₹40/mo
₹4,416 rewards − ₹500 annual fee. Estimate for the spend you entered.
Fees & Charges
Product Details
- Co-branded entry card by RBL Bank and IRCTC.
- Joining / annual fee of ₹500 + GST.
- Available on the Mastercard network.
- Complimentary airport lounge access: domestic (8/annual).
Pros & Cons
- Complimentary domestic airport lounge access (8/annual).
- Accelerated earn worth ≈8.0% on irctc rail bookings.
- No annual-fee waiver option.
- Standard forex markup of 3.50% — suboptimal for international spend.
- No rewards on fuel spends.
Accelerated rewards
- 10 pts per ₹125 on irctc rail bookings (cap 1000 points / monthly)Merchants: irctc10 points per ₹100 spent on AC train ticket bookings via IRCTC portal/app. Accelerated Reward Points capped at 1,000/monthly cycle; no RP beyond the cap (RBL IRCTC FAQ).
- 2 pts per ₹125 on groceries department stores utilities
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- emi
Airport lounge access
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹400 and ₹4,000, capped at ₹100 per monthly.
Other benefits
- IRCTC transaction charge waiver. Waiver of the 1% + GST transaction charge on IRCTC ticket bookings.
Sources
- : www.rbl.bank.in · retrieved 3 Jul 2026
Last verified 5 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–65
- Credit score
- 700+
- Income (salaried)
- —
- Income (self-employed)
- —