RBL IRCTC Credit Card – Rewarding Travel & Easy Payments

Introduction

For frequent travelers and commuters who rely on India’s robust rail network, the RBL IRCTC Credit Card is a tailor-made solution designed to reward your journeys while making transactions smooth and rewarding. This co-branded card by RBL Bank and IRCTC offers impressive rewards on train ticket bookings, handy benefits like complimentary railway lounge access, and convenient digital payment features, aligning perfectly with the needs of modern Indian travelers in 2025.

In this post, we’ll dive deep into the card’s key features, eligibility, benefits, and real-world usability — all optimized for Google’s 2025 SEO standards to provide you with a comprehensive, user-friendly guide.

What Is the RBL IRCTC Credit Card?

The RBL IRCTC Credit Card is a RuPay-powered co-branded card created jointly by RBL Bank and the Indian Railway Catering and Tourism Corporation (IRCTC). It’s designed especially for those who frequently book train travel through IRCTC, offering rich rewards and conveniences tailored to rail commuters and travelers.

Key Features and Benefits

High Rewards on IRCTC Bookings

• Earn 5 Reward Points for every ₹200 spent on all train ticket bookings via the IRCTC website or mobile app.

• Get 2 Reward Points per ₹200 on flights, hotels, and cruise bookings made through IRCTC.

• Earn 3 Reward Points per ₹200 on FASTag recharges through RBL’s digital channels.

• For all other eligible purchases, earn 1 Reward Point per ₹200 spent.

Note: 1 Reward Point equals ₹1 when redeemed on IRCTC, making these rewards highly valuable for frequent travelers.

Complimentary Railway Lounge Access

• Enjoy 8 free visits per year (2 visits per quarter) to select IRCTC railway lounges, providing comfort and refreshments during your journeys.

Train Cancellation Insurance

• Benefit from a train cancellation cover of up to ₹5,000, safeguarding you against last-minute train cancellations by Indian Railways.

Transaction Fee Waiver on IRCTC

• Save with a 1% waiver on transaction charges for train ticket bookings on IRCTC, capped at ₹200 per month, making your bookings even more economical.

Contactless Payment & UPI Integration

• This RuPay card features the National Common Mobility Card (NCMC) functionality, enabling seamless tap-to-pay experiences at metros, buses, and other public transport hubs across major Indian cities.

• Link the card with UPI apps like Google Pay for smooth, cardless digital transactions.

Low Joining and Renewal Fees

• The card comes with a joining fee of ₹500 and the same for renewal annually, making it affordable without compromising on benefits.

Eligibility Criteria

• Indian resident aged between 21 and 70 years.

• Must meet RBL Bank’s internal credit and income criteria, including a good credit score.

• Basic KYC documentation as required by RBL Bank.

How to Apply

1. Visit the official RBL Bank website or IRCTC site.

2. Fill in the online application form with personal and financial details.

3. Submit KYC documents such as Aadhaar, PAN, and income proofs.

4. Await verification and credit assessment by the bank.

5. Upon approval, receive your card with seamless online activation.

Quick Reference: Key Facts and Benefits Table

Feature	Details
Card Type	Co-branded RuPay Credit Card (RBL Bank & IRCTC)
Joining and Renewal Fee	₹500
Reward Points on Train Bookings	5 points per ₹200 spent
Reward Points on Flights/Hotels/Cruise	2 points per ₹200 spent
Reward Points on FASTag Recharge	3 points per ₹200 spent
Reward Points on Other Purchases	1 point per ₹200 spent
Reward Redemption	1 point = ₹1 on IRCTC platform
Complimentary Lounge Access	8 visits/year
Train Cancellation Cover	Up to ₹5,000
IRCTC Transaction Fee Waiver	1% on bookings, max ₹200/month
Contactless Payment (NCMC)	Yes, for metros, buses, and transport terminals
Eligibility Age	21 to 70 years

Frequently Asked Questions (FAQs)

Q1: Can I redeem reward points anywhere, or only on IRCTC?Reward points earned on this card can only be redeemed on the IRCTC website or mobile app, where each point has the value of ₹1.

Q2: How fast is the train cancellation insurance payout?The insurance covers cancellations notified within 24 hours of the scheduled journey and is designed to provide timely reimbursements up to ₹5,000.

Q3: Does the complimentary lounge access extend to guests as well?No, complimentary lounge access is available for the primary cardholder only. Guests need to pay applicable charges to access lounges.

Internal and External Links

For more information on managing your travel finances and maximizing credit card rewards, visit abhinandps.com.Learn about safe travel insurance coverage and benefits on Forbes.

The RBL IRCTC Credit Card is a must-have for anyone who regularly travels by train in India, offering a rewarding and convenient payment experience. With generous rewards, lounge perks, and contactless commuting benefits, this card is tailored to enhance your travel lifestyle while saving you money.

Apply now through this exclusive link to start earning rewards on every journey: https://extp.in/cdVdXk