Best cards for IRCTC

The best credit cards for IRCTC in India: IRCTC SBI Card Premier returns about 10%, IRCTC HDFC Bank Credit Card 5%. Ranked on ₹10,000 a month, with caps and exclusions.

Category
Other travel
Website
www.irctc.co.in

Top cards on ₹10,000 a month

  1. IRCTC SBI Card Premier: about 10% (10 points per ₹100 (10% back) on AC rail tickets booked at irctc.co.in and the IRCTC app)
  2. IRCTC HDFC Bank Credit Card: about 5% (5 Reward Points per ₹100 on train tickets on the IRCTC website and Rail Connect app)
  3. PhonePe SBI Card SELECT BLACK: about 5% (5 points per ₹100 on eligible online spends (up to 1,000 points a month))
  4. HSBC TravelOne Credit Card: about 4.24% (All other spends, 2 points per ₹100)
  5. IRCTC BOBCARD: about 4% (16 points per ₹100 on train tickets on the IRCTC website and app (40 in peak travel windows))
  6. IRCTC SBI Platinum Card: about 4% (At least 4% back (4 points per ₹100) on AC rail tickets booked at irctc.co.in and the IRCTC app)
  7. Standard Chartered Beyond Credit Card: about 3.33% (All other spends, 5 points per ₹150)
  8. Standard Chartered Ultimate Credit Card: about 3.33% (All other spends, 5 points per ₹150)
  9. HSBC Premier Credit Card: about 3% (All eligible spends, 3 points per ₹100)
  10. IndusInd Bank PIONEER Private Credit Card: about 3% (3 reward points per ₹100)