RBL IRCTC
by RBL Bank · Data verified 4 days ago
Railway travel card with IRCTC rewards and executive lounge access.
How Much Can You Earn?
Calculate your potential rewards with this card
Your Annual Benefits
You save per year!
What's Great
- 5 RP per Rs.200 on IRCTC bookings
- 8 IRCTC Executive Lounge visits
- 1% IRCTC transaction fee waiver
- Low Rs.500 annual fee
Things to Consider
- No airport lounge access
- Limited value outside train travel
- Standard 3.5% forex
Perfect For
About This Card
Other Charges
Milestone Rewards
Reward Earning by Category
| Category | Reward Rate | Details |
|---|
Domestic Lounges
8 per year
Travel Insurance
₹0L cover
Fuel Savings
₹3,500/mo
Lost Card Cover
₹0
Add-On Card
Free
Dining
- •Earn reward points/cashback on dining transactions
Shopping
- •Reward points earned on all eligible purchases
- •Contactless (tap-and-pay) enabled
Travel
- •Train cancellation protection cover up to ₹5,000 (trains cancelled by Indian Railways within 24hr of journey; max 1 claim per 6 months; AC coaches 1A/2A/3A only)
Special Offers & Features
- •1% transaction surcharge waiver on IRCTC spends (max ₹200/month, bookings up to ₹5,000 via irctc.co.in or app)
- •NCMC (National Common Mobility Card) functionality enabled for metro and bus transit
- •Tap & Transit for seamless metro and bus station commutes (RuPay variant)
- •Scan & Pay UPI for instant credit card payments via UPI
- •Reward points valid for 2 years from date of earning
- •3X reward points on FASTag/NCMC/UTS App: max 1,000 points per billing cycle
- •Up to 5 complimentary add-on cards
- •Reward Points valid for 2 years from date of earning
EMI Options
- •EMI conversion on purchases above Rs.2,500
- •Tenure: 3, 6, 9, 12, 18, 24 months
- •Interest rate: 13-24% p.a.
Card Features
CardSahayak Score
"Apply Now" takes you to RBL Bank's official website.
Eligibility
Scores
Deals & Offers
Exclusive offers available on RBL IRCTC
Netmeds
Additional 8% off on prescription meds + 12% website discount with RBL Bank cards using promo code ADNS25NMS.
Step 2: Upload valid doctor prescription and add medications worth ₹1,200+ to your cart.
Step 3: Apply promo code ADNS25NMS in the promo code box.
Step 4: Pay with any RBL Bank Credit Card to redeem 8% instant savings.
Valid on prescription drugs and medicines only. Minimum transaction amount of ₹1,200 required. Maximum discount capped at ₹500 per transaction. Valid once per user per month. Not applicable on OTC health items or diagnostic packages.
BookMyShow
Catch the latest blockbuster hits with complimentary cinema tickets. Enjoy Buy 1 Get 1 free movie tickets up to ₹250 with eligible RBL Bank Credit Cards on BookMyShow.Experience cinema in IMAX, 4DX, and premium screens with effortless entertainment savings.
Step 2: Proceed to payment and click on Unlock Offers or Apply Promocode.
Step 3: Select Credit Card Offers and choose RBL Bank Credit Card offer.
Step 4: Enter card details to receive the second ticket free up to ₹250.
Minimum booking of 2 cinema tickets is required. Discount is capped at ₹250 on the second ticket. Quota resets daily on a first-come, first-served basis. Valid on movie tickets across cinemas in India. Convenience fees and taxes are payable by the cardholder.
Partner Dining
Indulge in exquisite culinary experiences across India. RBL Bank Credit Cardholders enjoy up to 30% off on dining bills across 2,000+ luxury hotels and fine dining restaurants.Savor gourmet cuisines with friends and family while enjoying exclusive culinary privileges.
Step 2: Reserve your table in advance mentioning RBL Bank card dining program.
Step 3: Request the bill at the restaurant and inform the server before payment.
Step 4: Settle the dining bill with your RBL Bank Credit Card to get up to 30% discount.
Valid at participating restaurants and luxury partner hotel chains across India. Discount applies to food and soft beverage charges only. Not valid on alcoholic beverages, tobacco, or statutory service charges. Cannot be combined with other ongoing restaurant promotions.
MakeMyTrip
Fly anywhere across India with flight savings on MakeMyTrip. RBL Bank credit cardholders get a flat 10% instant discount up to ₹1,500 on bookings of ₹5,000 and above using code RBLFLY.
Step 2: Select domestic flights with booking value ₹5,000 or more.
Step 3: Enter coupon code RBLFLY on the payment summary page.
Step 4: Pay with any RBL Bank Credit Card to get an instant 10% discount up to ₹1,500.
Valid on domestic flight bookings across India. Minimum booking value of ₹5,000 is required. Maximum discount is ₹1,500 per booking. Valid once per cardholder per calendar month. Excludes commercial cards.
Swiggy
Enjoy flat ₹100 off on every food delivery order above ₹499 on Swiggy using your RBL Bank Credit Card with coupon RBL100.
Step 2: Add food items worth ₹499 or more from eligible restaurants.
Step 3: Enter promo code RBL100 on the payment screen.
Step 4: Pay with any RBL Bank Credit Card to get an instant ₹100 deduction.
Valid twice per user per calendar month. Applicable on food delivery orders only. Minimum order value of ₹499 is required.
Frequently Asked Questions
Everything you need to know about RBL IRCTC
- • Min age: 21 years
- • Salaried: ₹200,000/month min
- • Self-employed: ₹300,000/month min
- • CIBIL: 700+ recommended
- ✓ Domestic: 8 per year
- → 2 complimentary IRCTC Executive Lounge visits per quarter (8 per year)
- • Instant: Pre-approved RBL Bank customers
- • 24-48 hrs: New customers with documents
- • Delivery: 7-10 working days
Ready to Get Started?
Apply for RBL IRCTC today and unlock amazing rewards and premium experiences.
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