RBL IRCTC RuPay Credit Card
RBL Bank
last updated: Nov 27, 2025
₹500
₹500
Free
8 visits/yr
Contents
A co-branded travel-focused card for frequent rail travellers. It offers accelerated rewards on IRCTC bookings, FASTag/NCMC reloads and selected travel spends, plus complimentary railway lounge access and easy UPI/scan & pay convenience. Suited for regular train travellers who book via IRCTC and want simple point redemption.
Features of RBL IRCTC RuPay Credit Card which makes it unique
Dedicated IRCTC Rewards
Optimised earn rates and redemption directly on IRCTC for train travellers.
Better value when booking rail travel via IRCTC.
Stronger IRCTC-specific value compared to generic travel cards.
Rewards Structure of RBL IRCTC RuPay Credit Card
IRCTC Bookings
acceleratedIRCTC website and IRCTC mobile app bookings
High earn rate on train ticket bookings; 1 point = ₹1 when redeemed on IRCTC platform.
FASTag / NCMC Reloads
acceleratedFASTag reloads via RBL digital channels and NCMC reloads
Earn accelerated points on FASTag and local train UTS transactions.
Other Travel (Flights/Hotels via IRCTC)
acceleratedAir/Hotel bookings booked via IRCTC portals
Bonus on flight and tourism bookings made through IRCTC channels.
Base Rewards
baseAll other retail spends
Standard earn on other categories.
Milestones of RBL IRCTC RuPay Credit Card
Quarterly Milestone
₹30,000 : Extra reward points (as per bank offers)
Annual Milestone
₹1,00,000 : Bonus reward points or vouchers (subject to bank promotions)
Fees & Charges of RBL IRCTC RuPay Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹500 |
| Annual Fee | ₹500 |
| Forex Markup Fee | 0 |
| Cash Advance Fee | 0 |
| Late Payment Fee | ₹750 |
| Over Limit Fee | 0 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 0% |
Renewal Conditions:Standard renewal; fee may be waived under promotional/partner terms as per bank policy.
Fee Explanation Fees follow RBL Bank’s published schedule of charges and applicable GST; finance charges apply on outstanding balances as per T&Cs.
Lounge Access Benefits with RBL IRCTC RuPay Credit Card
domestic Lounges
silverVisits per year: 8
Guest access: No
Up to 2 visits per calendar quarter; subject to lounge availability and T&Cs.
Insurance Coverage with RBL IRCTC RuPay Credit Card
Train Cancellation Cover
₹5,000Covers train cancellation costs as per card terms.
Additional Features of RBL IRCTC RuPay Credit Card
Tap & Transit (NCMC)
Tap-to-pay for local transit where accepted; supports NCMC functionality.
Scan & Pay / UPI
Works for UPI-based scan & pay flows.
Add-on Cards
Add-on cards available as per bank policy.
Welcome Bonus with RBL IRCTC RuPay Credit Card
Welcome Bonus: 500 Reward Points.
Bonus Conditions: Welcome points credited within 60 days after first eligible transaction of ₹500+ within 30 days; applicable to new cardholders and subject to bank terms.
Application Process for RBL IRCTC RuPay Credit Card
Processing Time
5-10 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via RBL Bank or IRCTC portal
Complete KYC and upload documents
Receive verification call or OTP authentication
Card dispatched as per processing timelines
Required Documents for RBL IRCTC RuPay Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
where applicableAccepted documents:
RBL IRCTC RuPay Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide acceptance where RuPay is accepted
International Acceptance
RuPay international acceptance depends on merchant support
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for RBL IRCTC RuPay Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
650+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹0
Minimum annual income
Self-Employed Applicants
₹0
Minimum annual income
Who Can Apply
Important Conditions
- Card issued subject to RBL Bank internal eligibility checks, KYC and credit assessment.
How Approval Is Decided
- Indian resident
- Subject to RBL credit assessment and KYC
- Minimum age 21 (other internal criteria apply)
Pros of RBL IRCTC RuPay Credit Card
- Strong rewards for regular train travellers
- Complimentary railway lounge access (up to 8 visits/year)
- Easy redemption on IRCTC platform
Cons of RBL IRCTC RuPay Credit Card
- Rewards largely optimised for IRCTC channel (limited outside IRCTC)
- Limited lounge guest access
Frequently Asked Questions about RBL IRCTC RuPay Credit Card
Is there a joining fee?
Yes, the joining/renewal fee is ₹500 as per the published schedule.
How do I get the welcome bonus?
Make a retail transaction of ₹500 or more within 30 days of card issuance; welcome points credited within 60 days.
How many reward points do I earn on IRCTC bookings?
You earn 5 reward points for every ₹200 spent on IRCTC bookings (equivalent to ~2.5% value when redeemed on IRCTC).
Can I redeem points outside IRCTC?
Points are primarily redeemable via IRCTC platform; check RBL rewards portal for current redemption options.
Is railway lounge access included?
Yes — complimentary railway lounge access up to 8 visits per year (limit 2 per quarter) subject to terms.
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