IRCTC RBL Bank Credit Card

The IRCTC RBL Bank Credit Card is a purposeful, cost-effective travel card designed specifically for India's massive railway commuter base who prioritize comfort, ticket discounts, and seamless rail transit. Charging an **annual fee of ₹500 + GST** (waived on spending ₹1,50,000 annually), the card provides immediate value back with a welcome gift of **500 reward points** credited upon card setup. At the center of its value proposition is exceptional rail travel savings: cardholders earn **up to 10% value back as reward points** on train ticket bookings (AC1, AC2, AC3, and Executive Chair Car classes) made via the official IRCTC website or IRCTC Rail Connect app. Furthermore, the card eliminates the standard 1% transaction surcharge levied on train ticket bookings through IRCTC, generating direct savings on every family vacation and holiday reservation. Transit comfort is elevated through **4 complimentary domestic railway executive lounge visits per calendar year (1 visit per calendar quarter)** at prominent transit stations across India (such as New Delhi, Agra Cantt, Ahmedabad, and Sealdah). On everyday non-rail retail spending, cardholders earn 2 reward points per ₹100 spent. For travelers who frequently ride the Indian Railways network, this card provides unbeatable convenience and returns.

Additional Cardholder Privileges

Mandatory Verification Documents