Question 1

What is the annual fee on the IRCTC RBL Bank RuPay Credit Card and how do you get it waived?

Accepted Answer

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.

Question 2

What is the reward rate on the IRCTC RBL Bank RuPay Credit Card?

Accepted Answer

You earn 1 point for every ₹100 spent, and 5 points per ₹100 in the accelerated category. At roughly ₹1 a point, that is about 1% back on regular spends. On ₹10,000 of monthly spend you collect around 100 points, worth roughly ₹100.

Question 3

Does the IRCTC RBL Bank RuPay Credit Card give free airport lounge access?

Accepted Answer

The IRCTC RBL Bank RuPay Credit Card gives 8 complimentary domestic lounge visits a year, usually capped at 2 per quarter. There is no prior spend requirement on paper, though RBL Bank has been moving cards to spend linked access, so confirm before you rely on it at the airport.

Question 4

What changed on the IRCTC RBL Bank RuPay Credit Card recently and is it still worth it in 2026?

Accepted Answer

RBL portfolio-wide: reward-exclusion expansion (Oct 2024) and portfolio reward-point cut. The changes are dated Oct 15, 2024. At ₹3L of yearly spend the card returns roughly ₹1,500 at its general rate of about 0.5%, against a ₹500 renewal fee. That clears the fee, but not by much, so it is worth keeping only while your spending stays in the accelerated category.

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IRCTC RBL Bank RuPay Credit Card

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