IRCTC RBL Bank Credit Card

The IRCTC RBL Bank Credit Card is a co-branded RuPay credit card designed for frequent Indian railway travelers who want exceptional value from their everyday and travel spending. Available at a joining and annual fee of just INR 500, the card is engineered to deliver up to INR 20,000 worth of benefits annually, making it a remarkable 40X return on its membership cost. New cardholders receive 500 welcome Reward Points upon spending INR 500 within the first 30 days of card issuance. On an ongoing basis, cardholders earn 5 Reward Points per INR 200 on IRCTC train ticket bookings, 3 Reward Points on FASTag recharges and UTS App transactions, 2 Reward Points on IRCTC flight and hotel bookings, and 1 Reward Point on all other eligible purchases. A standout feature is that Reward Points redeem at a 1:1 ratio directly on IRCTC, meaning 1 Reward Point equals INR 1 in real value. Beyond rewards, the card offers 8 complimentary railway lounge visits per year (2 per quarter), a 1% transaction fee waiver on IRCTC train ticket bookings, and INR 5,000 train cancellation protection. As a RuPay card, it also supports Tap & Transit for metro and bus commutes and UPI-based scan-and-pay functionality, making it a comprehensive travel companion for Indian rail commuters.