IRCTC RBL Bank Credit Card
The IRCTC RBL Bank Credit Card is a travel-focused card with a low joining fee of ₹500, designed for people who regularly book train tickets and use public transport like metros and buses. It works on the RuPay network, allowing UPI payments, and includes a National Common Mobility Card for easy tap-and-pay convenience at stations and bus terminals. Cardholders earn 5 reward points per ₹200 spent on train bookings through IRCTC, which can be redeemed for a 2.5% return on the IRCTC website or app. The card also offers benefits like two points per ₹200 for booking flights, cruises, and hotels through IRCTC and eight free visits to railway lounges every year.
In addition to the rewards on IRCTC bookings, this card offers 1.5% value back on FASTag recharges and base rewards for other non-IRCTC purchases. For every ₹200 spent on everyday purchases, cardholders earn 1 reward point. All rewards can be redeemed at a 1:1 ratio on IRCTC. With added perks like a 1% transaction fee waiver on train bookings and milestone-based bonus points, this card is a great option for frequent travelers. However, it focuses mainly on IRCTC-related spending, so if you’re looking for broader travel benefits, other credit cards may be more suitable.
Rewards and Benefits
Fees & Charges
What are the main benefits of the IRCTC RBL Bank Credit Card?
This card gives up to five reward points for every ₹200 spent on train bookings, three points on FASTag recharges, free railway lounge access, and a 1% transaction fee waiver on IRCTC bookings.
Can I use reward points for non-IRCTC bookings?
No, the reward points can only be redeemed on the IRCTC website or app, where 1 point equals ₹1.
How do I apply for the IRCTC RBL Bank Credit Card?
You can apply online on the RBL Bank website or visit an RBL Bank branch with the required documents.
What documents are needed to apply for the IRCTC RBL Bank Credit Card?
You need proof of identity, address, and income, such as an Aadhaar card, utility bills, salary slips, or bank statements.
Does the card offer complimentary lounge access?
Yes, cardholders get up to eight free railway lounge visits annually, with a limit of two visits per quarter.
How can I earn reward points with the IRCTC RBL Bank Credit Card?
You can earn five reward points per ₹200 spent on train tickets, three points on FASTag recharges, and two points on flights, hotels, and cruises booked via IRCTC.
Is there a limit on the reward points I can earn?
Yes, you can earn up to 1,000 accelerated reward points per month for each category, such as train bookings and FASTag recharges.
What protection does the card offer for train cancellations?
The card offers a complimentary train cancellation cover of up to ₹5,000 if your train is cancelled.
Are there any spending milestones for bonus points?
Yes, if you spend ₹75,000 in a quarter, you can earn 500 bonus points. However, some categories like fuel, rent, and utilities do not count towards this milestone.
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