Card Details
IRCTC RBL Bank RuPay Credit Card
Monzy Score
4/ 10
Weak for everyday spenders.
Thin rewards outside its core category.
Card Issuer
RBL Bank
Joining Fee
₹500
Annual Fee
₹500
Reward Type
Reward Points
Card Access
Standard
Earn Points
5 RP/₹200
on Train ticket bookings on IRCTC website/app
3 RP/₹200
on FASTag/NCMC reloads via RBL digital channels or UTS app
2 RP/₹200
Flights, hotels or cruises booked on IRCTC
1 RP/₹200
Other eligible purchases
Benefits
2.5% value-back on IRCTC train tickets
- High rewards on IRCTC spends
- 5 RP per ₹200 on IRCTC train bookings (worth 2.5%)
- 3 RP per ₹200 on FASTag/NCMC/UTS reloads
- 2 RP per ₹200 on IRCTC flights, hotels and cruises
- Accelerated rewards capped at 1,000 RP per month per category (Paisabazaar)
- Issuer excludes spends like fuel, rent, wallets, utilities, etc. from rewards accrual (Paisabazaar)
- Railway lounge comfort
- Up to 8 IRCTC executive lounge visits annually
- Complimentary refreshments at participating lounges
- Free access limited to the primary cardholder (CardInsider)
Reward Calculator
NOTE: Enter your monthly spends to see
projected returns.
Excluded: rent, wallet, insurance, fuel
Estimated Returns
Train tickets (all classes) on IRCTC
5/200
₹750
FASTag / NCMC / UTS local train
3/200
₹0
Flights, hotels & cruise on IRCTC
2/200
₹0
All other spends
1/200
₹0
Total Annual Return
₹9,000
2.5% Effective ROIWhat Users Are Saying
Community Feed
Jul 2025
“IRCTC RBL CREDIT CARD”
by r/CreditCardsIndia, Jul 2025
“Any Alternative for RBL Bank IRCTC NCMC Credit Card”
by r/CreditCardsIndia, Mar 2026
“Any special credit card for IRCTC bookings?”
by r/CreditCardsIndia, Aug 2025
“Best Irctc credit cards”
by r/indianrailways, Jul 2025
“IndianOil RBL Bank XTRA Credit Card”
by r/IndianCreditCards, Jul 2025
Frequently Asked Questions
The IRCTC RBL Bank RuPay Credit Card charges ₹500 plus GST as a joining fee and the same ₹500 again at renewal. There is no spend based waiver on this card, so the ₹500 is a fixed yearly cost you pay regardless of how much you spend.
Things to Keep in Mind
Accelerated IRCTC, FASTag and travel rewards capped at 1,000 RP per month per Paisabazaar.
Offline UPI transactions under ₹2,000 at small merchants do not earn rewards or product benefits per RBL Bank.
