RBL Bank
IRCTC RBL Credit Card
This is an invite only card
Apply and get ₹800 Rewards
Top Benefits
Book Train Tickets
Earn 5 points per ₹200 spend on booking train tickets through IRCTC website or app.
1 Reward Point = ₹1 on IRCTC Redemptions
making reward points directly usable for train ticket bookings through IRCTC’s Pay by Points feature.
Best For
Travel
The IRCTC RBL Credit Card is a co-branded travel card designed for frequent railway commuters looking t...
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The IRCTC RBL Credit Card is a co-branded travel card designed for frequent railway commuters looking t...
The IRCTC RBL Credit Card is a co-branded travel card designed for frequent railway commuters looking to maximize rewards on train bookings. With up to 5 reward points for every Rs. 200 spent on IRCTC bookings, it offers substantial value for regular travelers. Beyond trains, it rewards FASTag recharges and everyday spends, making it a well-rounded utility option.
If you travel frequently by train and want a straightforward card that offsets railway transaction charges while earning redeemable points, the IRCTC RBL Credit Card is a strong contender. It effectively waives its joining fee with a welcome bonus and offers practical perks like train cancellation protection and complimentary railway lounge access.
View FAQ
Commonly Asked Questions
Is the IRCTC RBL Credit Card lifetime free?
No, the IRCTC RBL Credit Card comes with a joining fee of Rs. 500 and an annual fee of Rs. 500. However, the joining fee is effectively offset by a welcome benefit of 500 reward points, and the annual fee is waived upon reaching an annual spend milestone of Rs. 1,00,000.
Who should apply for this card?
This card is ideal for regular train travelers who frequently use the IRCTC website or app for ticket bookings. If you spend around Rs. 5,000 monthly on train travel, you can earn significant reward points and save on transaction charges.
Is it a good card for beginners?
Yes, with a modest income requirement of Rs. 3 lakh per annum and an accessible joining fee, it serves as a practical entry-level travel credit card, provided you have a good credit score of 750 or above.
Expert Review
In my experience evaluating co-branded travel cards, the IRCTC RBL Credit Card does exactly what it says on the tin, without unnecessary complications. The 1:1 reward redemption ratio for IRCTC bookings is refreshingly simple. I particularly appreciate that the welcome bonus entirely wipes out the anxiety of paying the Rs. 500 joining fee. The inclusion of 8 railway lounge visits is a massive win for frequent rail commuters, easily covering the card's cost if used just twice a year.
However, it falls short as an everyday primary card. The 0.5% base reward rate for normal shopping is paltry compared to basic cashback cards. Furthermore, the massive list of exclusions—including fuel, insurance, and wallet loads—means you won't earn points on a significant chunk of your monthly budget.
My verdict? Keep this card in your wallet specifically for booking trains, waiting in railway lounges, and paying FASTag bills. For everything else, pair it with a dedicated shopping or cashback credit card.
Joining / Annual Fee
Joining Fees
₹590 ( ₹500 + GST )
Annual Fees
₹590 ( ₹500 + GST )
The IRCTC RBL Credit Card maintains an affordable fee structure suitable for its target demographic. It...
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The IRCTC RBL Credit Card maintains an affordable fee structure suitable for its target demographic. It...
The IRCTC RBL Credit Card maintains an affordable fee structure suitable for its target demographic. It charges a one-time joining fee of Rs. 500 (plus applicable taxes) when the card is issued. However, as noted earlier, spending just Rs. 500 within the first 30 days triggers a welcome bonus of 500 reward points (valued at Rs. 500), essentially nullifying the initial cost.
From the second year onwards, the card carries an annual renewal fee of Rs. 500. RBL Bank waives this annual fee for cardholders who reach an annual spending milestone of Rs. 1,00,000. If your regular train bookings and utility payments run through this card, you will naturally hit this waiver condition.
View FAQ
Commonly Asked Questions
What is the joining fee for the IRCTC RBL Credit Card?
The card charges a one-time joining fee of Rs. 500 plus applicable taxes at the time of issuance.
How can I recover my joining fee?
By spending Rs. 500 or more within 30 days of getting the card, you earn 500 welcome points. Since 1 point is worth Rs. 1 for IRCTC bookings, you effectively get your Rs. 500 back in value.
What is the annual fee from the second year?
The card carries an annual renewal fee of Rs. 500 plus taxes from the second year onwards.
Is there an annual fee waiver available?
Yes, the annual fee is waived if you spend Rs. 1,00,000 or more during the preceding membership year.
Is the IRCTC RBL Credit Card free for life?
No, it is not a lifetime free card. It carries a recurring Rs. 500 annual fee unless the Rs. 1,00,000 annual spend waiver is met.
When is the annual fee charged?
The annual fee is charged at the beginning of your card anniversary month every year.
What happens if I don't use the card for a year?
Even if unused, the annual fee of Rs. 500 plus taxes will be charged to your statement unless you formally close the card account.
Can I cancel the card before the annual fee hits?
Yes, you can request card cancellation before your anniversary date to avoid the upcoming annual fee charge. Ensure all dues are cleared first.
Eligibility
Age
Criteria*
21-65 years
Salary
Criteria*
3LPA
Credit
Rating*
750+
New to credit
allowed
No
Existing Bank
Customer Allowed
Yes
Securing the IRCTC RBL Credit Card requires meeting fairly standard banking requirements. The primary a...
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Securing the IRCTC RBL Credit Card requires meeting fairly standard banking requirements. The primary a...
Securing the IRCTC RBL Credit Card requires meeting fairly standard banking requirements. The primary applicant must fall within the age bracket of 21 to 65 years at the time of application. The card is accessible to both salaried employees and self-employed individuals.
The core financial requirement is an annual income of at least Rs. 3 lakh. For a salaried professional, this breaks down to roughly Rs. 25,000 per month. If you are self-employed, your Income Tax Return (ITR) needs to reflect a minimum of Rs. 3 lakh per annum.
Furthermore, RBL Bank mandates a healthy credit history. You must hold a CRIF score of 750 or above. If your score is below this threshold, or if you are new to credit with no history, your application is likely to face rejection.
View FAQ
Commonly Asked Questions
What is the minimum age to apply for the IRCTC RBL Credit Card?
The primary applicant must be at least 21 years old to be eligible.
What is the maximum age limit for applying?
The maximum age limit is 65 years at the time of submitting the application.
What is the minimum salary required if I am employed?
Salaried individuals need a minimum annual income of Rs. 3 lakh, which is roughly Rs. 25,000 per month.
Can business owners apply for this card?
Yes, self-employed individuals can apply provided they show a minimum annual income of Rs. 3 lakh through their tax returns.
What credit score is needed for approval?
A minimum CRIF credit score of 750 is required by the bank to process your application favorably.
Will I get rejected if my score is 720?
Yes, since the bank strictly mentions a requirement of 750 or above, scores below this are highly likely to be rejected.
Can students or homemakers apply?
If you cannot demonstrate a steady annual income of Rs. 3 lakh, you will not meet the eligibility criteria, making it difficult for students or non-earning homemakers to get approved as primary cardholders.
Do I need an existing relationship with RBL Bank?
No, you do not need an existing RBL Bank account, provided you meet the age, income, and credit score criteria.
All Card Benefits
- Earn 5 Reward Points for every ₹200 spent on train ticket bookings via IRCTC website or mobile app, up to 1,000 points per month
- Earn 3 Reward Points for every ₹200 spent on FASTag recharge via RBL Bank digital channels, NCMC reload or UTS app, up to 1,000 points per month
- Earn 2 Reward Points for every ₹200 spent on flight and hotel bookings via IRCTC website or mobile app, up to 1,000 points per month
- Earn 1 Reward Point for every ₹200 spent on all other eligible purchases
- Reward Points redemption value is ₹1 per point for IRCTC bookings using Pay by Points or via the RBL Rewards Platform
- Welcome benefit of 500 Reward Points on spending ₹500 or more within 30 days of card Issuance
- Milestone benefit of 500 Reward Points on reaching quarterly spends of ₹75,000
- Up to 8 complimentary IRCTC Executive railway lounge visits per year, capped at 2 per quarter
- Train cancellation protection cover worth up to ₹5,000 for eligible cancelled trains
- Reversal of IRCTC transaction charges of 1% on train ticket bookings, capped at ₹200 per month
Welcome Benefits
The IRCTC RBL Credit Card welcomes you with 500 reward points when you make your fi...
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Welcome Benefits The IRCTC RBL Credit Card welcomes you with 500 reward points when you make your fi...
Welcome Benefits
The IRCTC RBL Credit Card welcomes you with 500 reward points when you make your first transaction of Rs. 500 or more within 30 days of card issuance. Since 1 reward point equals Rs. 1 for IRCTC bookings, this bonus is worth exactly Rs. 500. This effectively means your first year's joining fee of Rs. 500 is completely offset right from the start.
Reward Points Structure
This card offers a multi-tiered reward system tailored for travelers. You earn 5 reward points for every Rs. 200 spent on train ticket bookings via the IRCTC website or mobile app. This translates to an effective 2.5% reward rate. For instance, booking train tickets worth Rs. 4,000 earns you 100 points, saving you Rs. 100 on your next booking. Note that this is capped at 1,000 points per month.
You also earn 3 reward points per Rs. 200 spent on FASTag recharges (via RBL digital channels), NCMC reloads, or the UTS app, capped at 1,000 points monthly. Flight and hotel bookings through IRCTC fetch 2 points per Rs. 200, also capped at 1,000 points per month. For all other eligible retail purchases, you get 1 reward point per Rs. 200 spent.
Additionally, the card offers a milestone benefit. If your quarterly spends reach Rs. 75,000, you are rewarded with a bonus of 500 reward points (worth Rs. 500).
Railway Benefits
The IRCTC RBL Credit Card shines when it comes to specific railway perks. Aside from the accelerated reward points, the card offers a 1% reversal of IRCTC transaction charges on train ticket bookings. This waiver applies to bookings up to Rs. 5,000 and is capped at Rs. 200 per month. If you book a Rs. 3,000 ticket, saving the 1% transaction charge keeps Rs. 30 in your pocket instantly.
Flight and Travel Benefits
If you prefer flying or need to book hotels, doing so via the IRCTC portal earns you 2 reward points for every Rs. 200 spent. While not the highest rate in the market for flights, it provides decent value if you consolidate your travel bookings on IRCTC. This benefit is capped at 1,000 reward points per month.
Railway Lounge Benefits
Long layovers at train stations are much more comfortable with this card. You get up to 8 complimentary visits per year to IRCTC Executive Lounges located at select railway stations across India. This is restricted to a maximum of 2 visits per quarter. A standard lounge access usually costs around Rs. 200 to Rs. 300, meaning you get over Rs. 1,600 in value yearly if fully utilized.
Insurance Benefits
A standout feature for anxious travelers is the train cancellation protection. The card provides a cover worth up to Rs. 5,000 for train tickets cancelled by Indian Railways within 24 hours of the scheduled departure time. This adds a layer of financial security during unpredictable travel delays.
View FAQ
Commonly Asked Questions
How do I qualify for the welcome bonus on the IRCTC RBL Credit Card?
To get the 500 welcome reward points, you must make a transaction of Rs. 500 or more within 30 days of your card being issued.
What is the value of the welcome benefit?
The welcome benefit consists of 500 reward points. Since the redemption rate is Rs. 1 per point for IRCTC bookings, the bonus is effectively worth Rs. 500, covering your joining fee.
What happens if I miss the 30-day window?
If you do not complete a minimum transaction of Rs. 100 within the first 30 days, your card won't be fully activated for rewards, and you will miss out on the 500 welcome points.
Is there a minimum spend required to activate the card?
Yes, a minimum transaction of Rs. 100 within 30 days is required to activate the card for rewards. However, you need to spend Rs. 500 or more to get the welcome bonus.
How many reward points do I earn on train bookings?
You earn 5 reward points for every Rs. 200 spent on train tickets booked through the IRCTC website or mobile app. For a Rs. 2,000 ticket, you will earn 50 reward points.
Is there a limit on how many points I can earn on train bookings?
Yes, the 5x reward points on train bookings are capped at a maximum of 1,000 points per month. This means you max out the benefit after spending Rs. 40,000 on train tickets in a month.
Do I earn points on FASTag recharges?
Yes, you earn 3 reward points for every Rs. 200 spent on FASTag recharges done via RBL Bank digital channels. This is capped at 1,000 points per month.
What is the standard reward rate for normal shopping?
For regular eligible purchases outside of travel and transit, you earn 1 reward point for every Rs. 200 spent, which equals an effective reward rate of 0.5%.
What is the value of 1 reward point?
When redeeming for train tickets via Pay by Points on IRCTC or the RBL Rewards platform, 1 reward point equals exactly Rs. 1.
Are there any milestone benefits on the IRCTC RBL Credit Card?
Yes, if you spend Rs. 75,000 in a calendar quarter, you earn an additional 500 bonus reward points.
Do I earn points on fuel purchases?
No, fuel spends are explicitly excluded from earning reward points on this card.
Are Wallet loads eligible for reward points?
No, wallet loads are categorized as exclusions and will not earn any reward points.
What is the transaction charge reversal on IRCTC bookings?
The card provides a 1% reversal of IRCTC transaction charges when you book train tickets. For example, on a Rs. 4,000 booking, you save Rs. 40.
Is there a maximum cap on the transaction charge reversal?
Yes, the reversal is capped at Rs. 200 per month. Additionally, it is only applicable on individual ticket bookings up to Rs. 5,000.
Do I still get reward points if I get the transaction charge reversed?
Yes, you earn both the 5 reward points per Rs. 200 spent and the 1% transaction charge reversal simultaneously on eligible bookings.
Where do I need to book to get the railway benefits?
You must book your tickets exclusively through the official IRCTC website or the IRCTC mobile app to avail the accelerated points and transaction charge reversal.
Can I earn reward points on flight bookings?
Yes, you earn 2 reward points for every Rs. 200 spent on flight and hotel bookings made specifically through the IRCTC website or app.
What is the maximum reward limit for flight bookings?
The rewards on flight and hotel bookings are capped at 1,00,000 reward points per month. You hit this limit after spending Rs. 1,00,000 in this category.
Do I earn points if I book flights on MakeMyTrip or Cleartrip?
If you book on external portals, you will only earn the standard rate of 1 reward point per Rs. 200 spent, not the accelerated 2 points reserved for IRCTC bookings.
Does this card offer complimentary airport lounge access?
No, the IRCTC RBL Credit Card does not offer any airport lounge access benefits.
How many free railway lounge visits do I get?
You receive up to 8 complimentary visits per year to IRCTC Executive Lounges.
Is there a limit on how many times I can visit the lounge in a month?
The benefit is capped at 2 complimentary visits per calendar quarter.
Can my family members use my free railway lounge access?
Lounge access is restricted to the primary cardholder. Guests are permitted at the prevailing lounge rate, which ranges from Rs. 200 to Rs. 500 depending on the location.
Where are these IRCTC Executive Lounges located?
These lounges are available at major railway stations including New Delhi, Jaipur, Ahmedabad, Agra, Sealdah, and Madurai.
What kind of insurance does this card provide?
It offers a train cancellation protection cover up to Rs. 5,000.
Under what conditions can I claim the cancellation protection?
The cover applies specifically if Indian Railways cancels the train within 24 hours of its scheduled departure time.
Does the cover apply if I cancel the ticket myself?
No, this specific protection only covers instances where the cancellation is initiated by Indian Railways, not for passenger-initiated cancellations.
How do I claim the Rs. 5,000 insurance amount?
Submit your claim via the RBL MyCard app or official website using your ticket details and the railway’s official cancellation certificate.
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 Reward Point = ₹1
Redemption Options
Redeem your reward points on the IRCTC Website or Mobile App for train ticket bookings
To check redemption catalogue
The IRCTC RBL Credit Card offers a highly transparent and valuable redemption process, specifically gea...
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The IRCTC RBL Credit Card offers a highly transparent and valuable redemption process, specifically gea...
The IRCTC RBL Credit Card offers a highly transparent and valuable redemption process, specifically geared toward travel. The accumulated reward points hold significant value—each point is equal to Rs. 1.
You can redeem your points directly on the IRCTC website or mobile app when booking train tickets using the "Pay by Points" feature. Alternatively, you can use the dedicated RBL Rewards Platform (rblrewards.com). For example, if you have 1,500 points saved up, you can instantly knock Rs. 1,500 off your next family train trip. There are no reward redemption fees on this card, meaning every point you earn retains its full value.
View FAQ
Commonly Asked Questions
How do I use my reward points to book train tickets?
You can redeem your reward points directly on the IRCTC website or mobile app using the "Pay by Points" option during checkout.
What is the exact rupee value of my reward points?
For IRCTC bookings, 1 reward point equals exactly Rs. 1. So, 500 points equal Rs. 500.
Is there a fee charged by the bank when I redeem my points?
No, there is absolutely no reward redemption fee charged on this card.
Where else can I redeem my points besides IRCTC?
You can also visit rblrewards.com to explore the catalogue for other redemption options, though the value per point may vary for non-IRCTC redemptions.
Is there a minimum number of points required to redeem?
A minimum balance of 500 reward points is required to initiate a redemption.
Do these reward points expire?
Reward points are valid for a period of 24 months from the date of accrual.
What happens to my points if I close the card?
All unredeemed points are forfeited the moment the card is closed. It is highly recommended to use them up before canceling.
Gift card - Key Terms
Once you apply, we will start tracking your application
Generally takes 2-72 hrs
Once the bank confirms us of your successful card activation, we will process your rewards
Generally takes 7-75 days
You can then withdraw your rewards via Amazon Pay Balance/Flipkart gift cards
Generally takes 7-75 days
Note: If you currently hold or have ever held an RBL Bank Credit Card, you are not eligible for CashKaro Rewards.
Rewards Related
- If you currently hold or have ever held an RBL Bank Credit Card, you are not eligible for Gift Card
- A minimum transaction of Rs.100 within 30 days is mandatory to activate your card; otherwise, you wont be eligible for the Rewards
- Please use Aadhaar linked mobile number to fill the application
- If the distance between your residence and office addresses is 150 km or more, please ensure that your residence is selected as the mailing address. Applications not adhering to this will be rejected
- VKYC done over 50km from your Aadhaar/communication address will result in application rejection and loss of Rewards
Also, Remember
- Resume your application only via Great.Cards to avoid losing Rewards
- If your Rewards do not track, raise a Missing Rewards Ticket within 30 Days from the application date
- Rewards can only be redeemed as Amazon Pay Balance and Flipkart Gift Card
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Cash Advances
ATM Cash Withdrawals
P2P Transfers
Quasi-Cash Transactions
Money Transfers
Wallet Loads
Gift Cards and Vouchers
EMI Spends
Interest Charges
Payment Returned Charges
Service/Interest Charges
Transaction Charges
Fuel Spends
Forex Transactions
Cryptocurrency/Digital Asset Transactions
Government-Related Transactions
Railways Transactions
Lottery
Toll Payments
Online Skill-Based Gaming
For Spends Waiver
Fuel Spends
Gift Card & Vouchers
Tax Payments
Insurance Payments
To maximize your rewards, you must know where the IRCTC RBL Credit Card does not offer benefits. The ba...
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To maximize your rewards, you must know where the IRCTC RBL Credit Card does not offer benefits. The ba...
To maximize your rewards, you must know where the IRCTC RBL Credit Card does not offer benefits. The bank has a strict list of exclusions that do not earn any reward points.
You will not earn points on cash advances, ATM withdrawals, P2P transfers, wallet loads, EMI spends, interest/service charges, or forex transactions. Furthermore, regular daily spends like fuel, tax payments, and insurance premiums are entirely excluded from the rewards program. Specific merchant codes like government-related transactions, toll payments, and online skill-based gaming also yield zero points. For instance, if you pay a Rs. 15,000 life insurance premium or spend Rs. 4,000 on fuel, you earn nothing on those transactions.
View FAQ
Commonly Asked Questions
Do I get reward points when I fill petrol?
No, fuel spends are entirely excluded from the rewards program on this card.
Can I earn points by paying my life or health insurance?
No, insurance premium payments are explicitly excluded and will not earn any reward points.
Do wallet top-ups like Paytm or Amazon Pay earn rewards?
No, loading money into any digital wallet is excluded from earning points.
Will I earn points if I convert a large purchase into EMI?
No, transactions converted into EMIs do not accrue any reward points.
Are government and tax payments eligible for rewards?
No, tax payments and government-related transactions are excluded.
Do I earn points when buying gift vouchers?
No, purchasing gift cards or vouchers will not generate any reward points.
What happens if I use the card for an excluded category?
The transaction will go through normally and you will be billed for it, but your reward points balance will not increase for that specific spend.
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. | 3.50% |
APR Fees Finance charges of 3.99% per month (47.88% per annum) apply on unpaid outstanding balances until the amount is fully repaid. | 3.99% |
ATM withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable). | 2.50% |
Reward Redemption Fees A reward redemption handling fee of ₹99 plus applicable GST is charged per redemption request. | ₹99 |
Link for all T&Cs | Click Here |
Railway Surcharge A railway booking surcharge of 1.80% for online transactions and 2.50% for other bookings is applied, with additional bank charges and taxes recovered at actuals. | 1.80% |
Rent Payment Fees 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges | 1% |
cheque Payment Fees No cheque payment fee is charged | Not Applicable |
Cash Payment Fees ₹100 cash payment fee per deposit. | ₹100 |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹500 | ₹0 |
| ₹501 - ₹5,000 | ₹500 |
| ₹5,001 - ₹10,000 | ₹700 |
| ₹10,001 - ₹25,000 | ₹950 |
| ₹25,001 - ₹50,000 | ₹1,100 |
| ₹50,001+ | ₹1,300 |
Understanding the complete fee structure of the IRCTC RBL Credit Card is vital to ensuring it remains a...
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Understanding the complete fee structure of the IRCTC RBL Credit Card is vital to ensuring it remains a...
Understanding the complete fee structure of the IRCTC RBL Credit Card is vital to ensuring it remains a profitable tool rather than a financial burden. Below is a detailed breakdown of every charge associated with this card, with practical examples of how they impact your wallet.
The Joining Fee is a one-time charge of Rs. 500 (plus taxes) levied when the card is issued. However, if you make a purchase of Rs. 500 within the first 30 days, you earn 500 welcome reward points, effectively neutralizing this fee.
The Annual/Renewal Fee is Rs. 500 (plus taxes) charged from the second year onwards. This fee is waived if you reach an annual spending threshold of Rs. 1,00,000. For instance, you need to route about Rs. 8,333 through the card monthly to avoid paying the Rs. 500 renewal fee.
The APR or Interest Rate is 3.70% per month, which translates to an expensive 44.40% annually. If you spend Rs. 10,000 and fail to pay your statement balance by the due date, the bank will charge you Rs. 370 in interest for just that one month. It is always best to pay your bill in full.
Late Payment Charges apply if you miss the minimum due amount by the deadline. The fee depends on your outstanding balance: Rs. 0 (for balance under Rs. 100), Rs. 100 (Rs. 100-500), Rs. 500 (Rs. 501-5,000), Rs. 600 (Rs. 5,001-10,000), Rs. 800 (Rs. 10,001-25,000), Rs. 1,000 (Rs. 25,001-50,000), and Rs. 1,200 for balances above Rs. 50,000. If you forget to pay a Rs. 6,000 bill, you will be hit with a Rs. 600 penalty plus the 3.70% interest.
The Forex Markup Fee is 3.5% on any transaction made in a foreign currency. If you travel abroad or buy software online from a US vendor worth USD 100 (roughly Rs. 8,300), the bank will add a 3.5% fee, costing you an extra Rs. 290 just for the currency conversion.
The ATM Cash Withdrawal Fee is massive. You are charged 2.5% of the withdrawn amount, subject to a minimum of Rs. 500. If you withdraw Rs. 10,000 from an ATM, the 2.5% fee is Rs. 250, but because of the minimum rule, you will be charged Rs. 500. Furthermore, cash withdrawals accrue interest from day one.
The Rent Payment Convenience Fee is 1% of the transaction amount. If you try to pay a monthly rent of Rs. 20,000 using this credit card via platforms like Cred or NoBroker, RBL Bank will add a Rs. 200 fee, plus applicable GST.
The Railway Surcharge applies to bookings. There is a 1.80% surcharge for online transactions and 2.50% for other bookings. However, remember that the card offers a 1% reversal on IRCTC transaction charges (capped at Rs. 200/month), which helps offset some of this cost.
The Cash Payment Fee is Rs. 100. If you choose to walk into an RBL Bank branch to pay your credit card bill over the counter using physical cash, the bank charges Rs. 100 for the manual processing.
The Cheque Payment Fee is steep. If your cheque bounces or is returned, you face a penalty of 2% of the payment amount or Rs. 500, whichever is higher.
The Reward Redemption Fee is Not Applicable. This is excellent news because when you redeem your hard-earned 1,000 points for a Rs. 1,000 train ticket discount, the bank deducts Rs. 0 as a processing fee.
| Fee Type | Amount / Rate |
|---|---|
| Joining Fee | Rs. 500 |
| Annual Fee | Rs. 500 (Waivable) |
| Interest Rate (APR) | 3.70% per month (44.40% annually) |
| Late Payment Fee | Rs. 0 to Rs. 1,200 based on outstanding balance |
| Forex Markup | 3.5% |
| Cash Withdrawal Fee | 2.5% (Minimum Rs. 500) |
| Rent Payment Fee | 1% |
| Cash Payment Fee | Rs. 100 |
| Cheque Return Fee | 2% or Rs. 500 (whichever is higher) |
| Reward Redemption Fee | Nil |
View FAQ
Commonly Asked Questions
What are the joining fees for this card?
The joining fee is Rs. 500 plus taxes, which is charged when the card is first issued.
What is the annual or renewal fee?
The annual renewal fee is Rs. 500 plus taxes, applicable from the second year onwards.
Is there an annual fee waiver based on spending?
Yes, the annual fee is waived for cardholders who spend a minimum of Rs. 1,00,000 in the preceding membership year.
How can I get this card lifetime free?
The card is not currently offered as lifetime free; however, you can effectively avoid the annual fee by consistently meeting the Rs. 1,00,000 annual spend requirement.
What is the interest rate (APR) if I don't pay my full balance?
The interest rate is 3.70% per month, equating to 44.40% annually.
How is the interest calculated on outstanding balances?
If you fail to clear your total due, the 3.70% interest is applied daily to your outstanding balance and any new purchases until the amount is paid in full.
What are the late payment charges?
Late fees range from Rs. 0 for small balances under Rs. 100, up to Rs. 1,200 for outstanding balances above Rs. 50,000.
Is the late payment fee different based on outstanding amount?
Yes, it is a tiered structure. For example, a balance of Rs. 6,000 incurs a Rs. 600 fee, while a balance of Rs. 15,000 incurs an Rs. 800 fee.
What is the forex markup for international transactions?
The forex markup is 3.5%, meaning spending Rs. 10,000 equivalent in foreign currency adds a Rs. 350 fee.
Can I withdraw cash using my credit card?
Yes, but you will be charged a 2.5% fee (minimum Rs. 500) on the amount withdrawn.
What are the cash withdrawal charges and limits?
You pay 2.5% of the withdrawal amount, with a strict minimum of Rs. 500, plus immediate interest accrual.
What happens if I spend more than my credit limit?
Transactions are generally declined, and you will be charged an over-limit fee of 2.5% of the over-limit amount, minimum Rs. 500.
Are there fees for paying rent with this card?
Yes, RBL Bank charges a flat 1% convenience fee on rent payments.
Is there a fee for paying my bill in cash?
Yes, paying your credit card bill with cash at a branch attracts a Rs. 100 processing fee.
Is there a fee to redeem my reward points?
No, there is absolutely no reward redemption fee on this card.
Similar Cards
| Features |  Axis Flipkart |  Flipkart SBI |  IDFC FIRST Millennia |  Tata Neu Infinity HDFC Bank |
|---|---|---|---|---|
| Annual Fee | 500 | 500 | 0 | 1499 |
| Welcome Benefits | ||||
| Best For | - | Shopping | - | Shopping |
| Offer | ||||
| Lounge Access |
Documents Required
To process your application smoothly, you must provide proof of identity, address, and income. Having these ready prevents unnecessary delays.
You need your PAN Card as the primary identity document. For address proof, an Aadhaar Card, Passport, or Voter ID is acceptable. To prove your income, salaried employees should provide their latest two months' salary slips and the last three months' bank statements showing salary credits. Self-employed applicants must submit their latest Income Tax Return (ITR) computation along with business continuation proof.
View FAQ
Commonly Asked Questions
What identity proof is needed?
You need a clear copy of your original PAN card. It is mandatory for credit card applications.
What serves as valid address proof?
Your Aadhaar card is the standard address proof used during the digital and video KYC process.
Do I need to submit physical income documents?
Usually no. If you apply online, income verification is often done digitally. However, the bank may occasionally ask for recent salary slips or the latest ITR.
Do I need passport-size photographs?
Not for online applications with Video KYC. Your live photo is captured during the video call.
What if my current address differs from my Aadhaar address?
Provide a recent utility bill or a valid rent agreement as an alternative proof of current residence.
Is an offline application possible if I lack digital documents?
Yes, you can visit an RBL Bank branch with physical photocopies of your PAN, Aadhaar, and income proof to apply offline.
Who Should Get This Card?
The Daily Commuter: If you frequently book tickets for family trips or daily commutes via the IRCTC platform, the 5 reward points per Rs. 200 (a 2.5% return) and transaction fee waivers will save you a noticeable amount every month.
The Comfort Seeker: With 8 railway lounge access visits per year, this card is excellent for anyone who hates waiting on crowded station platforms.
Who should skip it? If you primarily travel by air, or if you want high cashback on dining, movies, and online shopping (like Amazon or Flipkart), this card offers almost nothing for you. Its basic 0.5% return on regular retail spends is easily beaten by basic cashback cards.
Credit Limit and What to Expect
Your credit limit on the IRCTC RBL Credit Card is not fixed. RBL Bank determines your limit based on your annual income, existing credit history, CRIF score, and internal bank policies. An applicant with a Rs. 10 lakh salary and a CRIF score of 800 will receive a higher limit than someone barely meeting the Rs. 3 lakh minimum requirement.
View FAQ
Commonly Asked Questions
What is the minimum credit limit I can expect?
Credit limits range from Rs. 30,000 to Rs. 1,50,000 based on your specific income profile and creditworthiness.
Can I increase my credit limit later?
Yes, banks regularly review accounts. If you maintain good payment behavior and your income increases, you can request a limit enhancement.
Does the bank share credit limit details before approval?
The final credit limit is revealed and confirmed only once the card is fully approved and generated.
Will using my full limit hurt my credit score?
Yes, constantly maxing out your credit card increases your credit utilization ratio, which negatively impacts your CRIF/CIBIL score.
Can I set daily transaction limits on this card?
Yes, via the RBL Bank mobile app, you can easily control domestic, international, and contactless transaction limits.
What happens if I cross my given credit limit?
Transactions exceeding your limit decline immediately, and the bank applies an over-limit fee of 2.5% of the exceeded amount (minimum Rs. 500).
How to Apply?
Applying for the IRCTC RBL Credit Card is a streamlined digital process. You can apply directly through the RBL Bank website, the IRCTC portal, or partner platforms. Ensure you have your basic details ready.
The process usually involves filling out a digital form with your PAN, Aadhaar details, and income particulars. Once your application passes the initial check, you will be prompted to complete a Video KYC. For a smooth VKYC, ensure you are in a well-lit room, have a stable internet connection, and hold your original PAN card. RBL Bank requires you to be within a 50 km radius of your registered address during the video call. Upon successful verification, your card is dispatched within a few days.
View FAQ
Commonly Asked Questions
Can I apply for the IRCTC RBL Credit Card online?
Yes, the application process is completely digital. You can apply through the bank's website or partner platforms.
Is Video KYC mandatory?
Yes, Video KYC is standard procedure to verify your identity without needing physical document collection.
What documents do I need during the Video KYC call?
You need to keep your physical, original PAN card handy. A blank paper and blue/black pen are also needed for a live signature capture.
Are there location restrictions during Video KYC?
Yes, you need to be within 50 km of your registered residential address when conducting the video call.
How long does approval take?
Once Video KYC is complete, the bank takes 7-10 working days to process and dispatch the card.
How can I track my application?
You will receive an Application Reference Number which you can use on the RBL Bank website to check your application status.
That’s the full story of this credit card
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Top Benefits
Apply and get ₹800 Rewards
Top Benefits
Book Train Tickets
Earn 5 points per ₹200 spend on booking train tickets through IRCTC website or app.
1 Reward Point = ₹1 on IRCTC Redemptions
making reward points directly usable for train ticket bookings through IRCTC’s Pay by Points feature.
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