About IRCTC RBL Bank Credit Card
The IRCTC RBL Bank Credit Card is a co-branded card that gives extra savings and benefits on IRCTC bookings. You can earn up to 5X rewards on train ticket spends, enjoy train cancellation protection, railway lounge access, and a waiver on train transaction fees. Unlike other IRCTC cards like SBI IRCTC Platinum and HDFC IRCTC, which give benefits only on train bookings, this card also offers 1.5% value-back on FASTag recharges along with base rewards on all other spends. The reward points you collect can be used on IRCTC at a 1:1 ratio, just like other IRCTC cards.
IRCTC RBL Bank Credit Card Rewards Program
Rewards Program for the IRCTC RBL Bank Credit Card:
- 5X Points: On train tickets booked via IRCTC website/app (max 1,000 points/month)
- 3X Points: On FASTag recharge via RBL channels, NCMC reload or UTS app (max 1,000 points/month)
- 2X Points: On flight & hotel bookings via IRCTC website/app (max 1,000 points/month)
- 1X Point: On other spends – 1 point per ₹200 spent
Redemption:
- 1 Point = ₹1 for IRCTC bookings
- Redeem via Pay by Points on IRCTC app/website or on the RBL Rewards platform
Other Features and Benefits
Welcome Benefit
- 500 reward points on spending more than ₹500 within 30 days of card issuance
Milestone Benefit
- 500 reward points on quarterly spends of ₹75,000
Complimentary Lounge Access
- Up to 8 free visits per year to IRCTC Executive Lounges at select railway stations
- Maximum 2 visits allowed per quarter
Train Cancellation Shield
- Protection cover up to ₹5,000 if the train is cancelled by Indian Railways within 24 hours of departure
Transaction Fee Waiver
- 1% fee reversal (up to ₹200 per month) on train ticket bookings worth up to ₹5,000
Fees and Charges
| Particulars | Amount |
|---|
| Joining/Annual Fee | Rs. 500 + Applicable Taxes |
| Finance Charges | Up to 3.99% p.m. or up to 47.88% p.a. |
| Late Payment Charges | 12.5% of total outstanding amount, subject to a min. of Rs. 5 and max. Rs. 1,300 |
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Document Required For IRCTC RBL Bank Credit Card
- Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
- Proof of Address: Aadhaar Card, Driver’s License, Passport
- Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
Eligibility Criteria
- Age: 21 to 70 years
- Occupation: Salaried or Self-employed
- Credit Score: Should have a good credit history
IRCTC RBL Bank Credit Card Highlights
What do we like about this card?
- 5X rewards on train bookings via IRCTC app/website
- 3X rewards on FASTag recharge, NCMC reload & UTS app spends
- 2X rewards on IRCTC flight & hotel bookings
- 1% train booking fee waiver (up to ₹200/month)
- Up to 8 free railway lounge visits per year
- Train cancellation protection up to ₹5,000
- 500 welcome points + milestone bonus points
Things to Know Before you apply
Get this card if:
- You travel often by train and usually book tickets through the IRCTC website or app
- You are fine with redeeming your reward points only for IRCTC bookings
- You want good value-back on FASTag recharges, and don’t mind lower savings on other spends like shopping, dining, movies, and groceries
Pros
- 5X rewards + 1% fee waiver on IRCTC train bookings
- Up to 8 free railway lounge visits yearly
- Extra rewards on FASTag recharges
- 1:1 reward redemption value
- Milestone bonus of up to 2,000 points
Cons
- Rewards can only be used for IRCTC bookings
- Very low rewards (0.5%) on regular spends
- Caps on accelerated rewards
RBL Bank Credit Card Contact Details
Contact Address: RBL Bank Ltd., One Indiabulls Centre, 16th Floor, Tower 2, Senapati Bapat Marg, Elphinstone Road, Mumbai – 400013, Maharashtra, India
Helpline: 022-62327777 or 1800-121-9050 (toll-free)
Simply SMS: Send ICON to 5607011 to get a callback or apply
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Frequently Asked Questions
You earn 5X reward points on train bookings via IRCTC, up to 1,000 points per month.
No, reward points can only be redeemed for IRCTC bookings or on the RBL Rewards platform.
Yes, you get up to 8 complimentary visits per year to IRCTC Executive Lounges (max 2 per quarter).
500 reward points on spending more than ₹500 within 30 days of card issuance.
Yes, 1% fee waiver (up to ₹200/month) on train bookings of up to ₹5,000.
Yes, you get cancellation protection up to ₹5,000 if the train is cancelled by Indian Railways within 24 hours of departure.
