IRCTC RBL Bank Credit Card
Updated 15 Apr 2026Source-linked
The IRCTC RBL Bank Credit Card is a entry co-branded credit card from RBL Bank and IRCTC, with a joining fee of ₹350 + GST.
It earns up to 10% back on IRCTC spends in the form of irctc reward points (points).
Cardholders get 8 annual domestic airport lounge access.
IRCTC RBL Bank Credit Card
- Joining Fee₹500
- Annual Fee₹350
- Best Suited ForLifestyle & travel
- Reward TypeIRCTC Reward Points (points)
Rewards Rate
- 10% on irctc rail bookings
- 2% on groceries department stores utilities
- Base 0.80% on other spends
Welcome Benefits
- Not applicable
Rewards and Benefits
Rewards Rate
10% on irctc rail bookings
2% on groceries department stores utilities
Base 0.80% on other spends.
Reward Redemption
IRCTC: Redeemable against IRCTC rail ticket bookings.
Welcome Benefits
N/A
Milestone Rewards
N/A
Domestic Lounge Access
8 visits each annual.
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
- IRCTC transaction charge waiver — Waiver of the 1% + GST transaction charge on IRCTC ticket bookings.
Fees & Charges
Spend-Based Waiver
Not waivable
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.99% per month (47.9% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹4,000, capped at ₹100 per monthly.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)
Product Details
- Co-branded entry card by RBL Bank and IRCTC.
- Joining / annual fee of ₹350 + GST.
- Available on the Mastercard network.
- Complimentary airport lounge access: domestic (8/annual).
Pros & Cons
Pros
- Complimentary domestic airport lounge access (8/annual).
- Accelerated earn rate of 10% on irctc rail bookings.
Cons
- No annual-fee waiver option.
- Standard forex markup of 3.50% — suboptimal for international spend.
- No rewards on fuel spends.
Accelerated rewards
- 10% on irctc rail bookingsMerchants: irctc10 points per ₹100 spent on AC train ticket bookings via IRCTC portal/app.
- 2% on groceries department stores utilities
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- emi
Airport lounge access
Domestic
8 visit(s) / annual. Via issuer-direct.
Complimentary access to IRCTC Executive Lounges at select stations (2/quarter, 8/year).
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.rblbank.com · retrieved 15 Apr 2026
Last verified 15 Apr 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–65
- Credit score
- 700+
- Income (salaried)
- —
- Income (self-employed)
- —