IRCTC RBL Bank Credit Card
RBL Bank · Open to apply
RBL's IRCTC co-brand card: 5 Reward Points per ₹200 on train tickets on the IRCTC website and app, 2 per ₹200 on IRCTC flights and hotels, 3 on FASTag recharges through RBL channels and 1 elsewhere, with the 1% railway ticket charge refunded, 8 railway lounge visits a year and points worth ₹1 each on train tickets. Fee ₹500.
- Annual fee
- ₹500 + GST a year
- Joining fee
- ₹500 + GST
- Base rate
- 1 Reward Point per ₹200 on other eligible spends: 1 Reward Points per ₹200 (about 0.5% at cash value)
- Lounges
- Railway: 2 visits a calendar quarter
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- 5 Reward Points per ₹200 on train tickets on the IRCTC website or app (up to 1,000 a month): 5 Reward Points per ₹200 (about 2.5% at cash value)
- 3 Reward Points per ₹200 on FASTag recharge through RBL digital channels, NCMC reload or the UTS app (up to 1,000 a month): 3 Reward Points per ₹200 (about 1.5% at cash value)
- 2 Reward Points per ₹200 on flights and hotels booked on the IRCTC website or app (up to 1,000 a month): 2 Reward Points per ₹200 (about 1% at cash value)
Earns nothing on
- No Reward Points on fuel and auto, utilities, insurance, quasi-cash, rent, education, wallet loads, government services, cash, EMI
Terms the calculator does not value
- The 3 points per ₹200 on FASTag apply only to recharges from RBL Bank digital channels, NCMC reload or the UTS app, and the FAQ lists UTS local train tickets under it; the calculator matches any FASTag spend.
- Points are worth ₹1 only against train tickets on IRCTC (the cash-mode figure uses that); their value on the RBL rewards portal is not stated in the IRCTC documents.
- On the RuPay variant, offline UPI transactions under ₹2,000 at small merchants earn no rewards or other benefits; the calculator cannot tell the merchant size.
Sources
- RBL Bank, IRCTC RBL Bank Credit Card page (Product page, the bank's own, read 6 Nov 2026)
- RBL Bank, IRCTC RBL Bank RuPay Credit Card Terms and Conditions (Reward terms, the bank's own, read 6 Nov 2026)
- RBL Bank, IRCTC RBL Bank Credit Card FAQs (FAQ, the bank's own, read 6 Nov 2026)
- RBL Bank, Schedule of Charges for credit cards, RBL-CC-SOC-V2-04-06-2026 (Schedule of charges, the bank's own, read 6 Nov 2026)
- RBL Bank, Most Important Terms and Conditions cum Key Fact Statement for Credit Cards (PDF modified 2026-08-20) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- RBL Bank, IRCTC RBL Bank Credit Card train cancellation protection (FAQ, the bank's own, read 6 Nov 2026)
- RBL Bank, IRCTC Executive Lounge Programme FAQ (FAQ, the bank's own, read 6 Nov 2026)