Enjoy Rewarding Travel with the IRCTC RBL Bank Credit Card

Your INR 500 Ticket to INR 20,000 worth of Benefits

Discover an incredibly rewarding way to explore India with the IRCTC RBL Bank Credit Card. Loaded with benefits, it is designed to reward you back on travel bookings and ensure a seamless experience with features like Tap & Go.

A rewarding welcome

500 Reward Points up for grabs!
Simply, shop above INR 500 with your IRCTC RBL Bank Credit Card within the first 30 days of Card issuance and get rewarded.

There is a revenue sharing arrangement between RBL Bank & IRCTC for this card.

Important Note - Welcome Benefit is applicable only after annual membership fee is paid.

Cardmember will earn reward points as defined in respective product terms & conditions. However, offline UPI transactions under INR 2,000 done at small merchants on RBL Bank RuPay Credit Card will not be eligible for rewards points, voucher benefits, milestone benefits or any other product benefits, unless stated otherwise. For clarity, small merchants in this case means merchants with turnover of not more than INR 20 lakh during the previous financial year.

40X joys await you!

Level up your travel with up to 40X benefits! The Card comes at an annual fee of INR 500, and you could end up with benefits worth up to INR 20,000 annually by shopping, dining, travel bookings and more with the Card. That’s 40 times the value of your annual fee! Here's How

Rich value, just for you!

Redeem your Reward Points directly on IRCTC at incredible value.
1 Reward Point = INR 1.

To know more about train ticket booking using available reward point with zero charges, click here

Only applicable on www.irctc.co.in and mobile application.

Travel in comfort

Relax before your journeys with 8 complimentary (2 visits per quarter) lounge access at railway stations. Click here to view list of lounges.

View FAQs

Train cancelled? But journey is still on

Plan worry-free! Enjoy INR 5,000 cancellation protection in case your train is cancelled at the last minute.

To view claim process, click here

Save on transaction fees

Transaction charges of 1% up to INR 200 on train ticket booking will be reversed on IRCTC RBL Bank Credit Card. The transaction charges will be reflected in your next statement cycle (Maximum capping of transaction amount: INR 5,000).

Book train tickets, book rewards!

Earn 5 Reward Points per INR 200 spent on train ticket bookings through the IRCTC website or App.

Want to know how to earn Reward points on train journey, Click here

Even regular commutes are rewarding!

Earn 3 Reward Points per INR 200 swiped on FASTag recharge from RBL Bank Digital Channels/NCMC Reload/UTS App.

Unlock more rewards with your holiday plans!

Not just rewards on train tickets, you also earn 2 Reward Points per INR 200 spent on booking flights and hotels from the IRCTC website or App.

Get more from shopping, dining, movies…

Earn 1 Reward Point per INR 200 spent everywhere from the things you love!

For Rupay Variant only:

Tap & Transit (NCMC Credit Card)

Navigate your daily commutes effortlessly at metro and bus stations by simply tapping your card, streamlining your travel experience. To view more details, click here

View FAQs

Scan and Pay (UPI wala Credit Card)

Eliminate the hassle of handling cash and enjoy a seamless payment process by using UPI where you can simply scan and pay for a smooth transaction process. To view more details, click here

View FAQs

Share the Privilege, share the love - Add on Cards for your loved ones click here to Know more!

Please note, Add-on Credit Card Holder will be linked to the IRCTC Loyalty number of the Primary Account Holder and no separate IRCTC Loyalty Number will be created for the Ad-on Credit Card holder. All the Rewards points accrual will reflect in the Primary Credit Card holders account, which can be redeemed only by primary card holder.

Note: Purchases made under below mentioned merchant categories will be excluded from reward point benefit and quarterly milestone benefit: Fuel & Auto, Utilities, Insurance, Quasi-Cash, Real Estate/Rental, Education, Wallets/Service Providers, Government Services, Contracted Services, Cash, Miscellaneous, Bills2Pay and EMI conversion of retail transactions (Split-N-Pay & EMI conversion requests placed at the time of making transactions at POS/Web/Mobile App), fees (if any), charges & GST.

Categories/MCCs will be defined as per Network guidelines:

Fuel & Auto (0032,2541,4001,5542,5541,5172), Utilities (4900), Insurance (6300,6310), Quasi-Cash (6050, 6051, 4829), Real Estate/Rental (6513), Education (8220,8244, 8249, 8211, 8241, 8299), Wallet/Service Providers (6540), Government Services (9400,1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 9311, 9223), Contracted Services (1711, 1740, 0763, 1520, 0742, 1761, 1799, 1750, 1731, 1771, 0780), Cash (6011, 6010), Miscellaneous (5960)and EMI

Bills2Pay is a facility provided by RBL Bank where Cardmembers can pay various utility bills via RBL MyBank App/Internet banking channel

Click here for detailed terms and conditions.