RBL IRCTC credit card credit card
Joining Fee:

FREE

Return Percentage:

3% to 5%

Apply Now

Credit Card Overview

A co-branded IRCTC card from RBL rewarding train bookings with accelerated points, surcharge waivers, and travel benefits for frequent rail travelers.

Best Suited For: Travel Booking

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Fees and charges at a glance

Annual fee
₹500

Charged every year you keep the card

Joining fee
Free

No cost to get the card

Reward rate
3% to 5%

Depends where you spend

Forex markup
3.5%

Extra charge on foreign spends

Interest rate
47.88% p.a.

Only if you don't pay the full bill

Add-on card
₹200

An extra card for family

RBL IRCTC credit card — Earn Categories

Where you earn more

  • IRCTCTravel · Railways5 reward points / ₹200
  • FastagUtilities · Utilities3 reward points / ₹200

Everyday rate

  • Base Rewards1 Reward Points (reward points) / ₹200

4 more earning categories on this card

We track all 7 of them, with the caps and conditions on each. See the full breakdown against your own spending in the app.

Open in the app

Earns nothing on these

Spends in these categories carry no rewards on this card.

  • Wallets
  • Education
  • Utilities
  • Fuel
  • Rent