IRCTC RBL Bank Credit Card
RBL Bank · Mastercard + RuPay · Entry card
A low-fee railway-focused RuPay option with cancellation protection and railway-lounge access.
Frequent IRCTC rail travellers who also want a UPI-enabled card.
Terms checked 23 Sept 2026
- Annual fee
- ₹500 + GST
- Joining fee
- ₹500 + GST
- Base reward rate
- 0.5%
- Forex markup
- 3.5%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| Online shopping | 0.5% |
| Groceries & essentials | 0.5% |
| Dining & delivery | 0.5% |
| Travel & hotels | 0.5% |
| Beauty & wellness | 0.5% |
| Entertainment & movies | 0.5% |
| Healthcare & pharmacy | 0.5% |
| Subscriptions & streaming | 0.5% |
| Offline store shopping | 0.5% |
| International spending | 0.5% |
| Gold & jewellery | 0.5% |
| Other miscellaneous | 0.5% |
| Fuel & commute | 0% |
| Bills & utilities | 0% |
| Education & family | 0% |
| House rent | 0% |
| Insurance premiums | 0% |
Caps and fee waiver
- Reward caps
- No general cap recorded
- Annual fee waiver
- No waiver recorded
- Monthly income requirement
- Not listed
Airport lounge access
No complimentary airport lounge access recorded
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 8 items
IRCTC train points
Usage-based valueFive points per ₹200 only on eligible IRCTC train-ticket bookings.
Conditions: Five points per ₹200 only on eligible IRCTC train-ticket bookings.
IRCTC flight and hotel points
Usage-based valueTwo points per ₹200 only on eligible IRCTC flight and hotel bookings.
Conditions: Two points per ₹200 only on eligible IRCTC flight and hotel bookings.
FASTag, NCMC and UTS points
Usage-based valueThree points per ₹200 only on eligible RBL FASTag, NCMC reload and UTS transactions.
Conditions: Three points per ₹200 only on eligible RBL FASTag, NCMC reload and UTS transactions.
Other eligible points
Usage-based valueOne point per ₹200 on other eligible retail purchases.
RuPay UPI support; sub-₹2,000 offline UPI at small merchants is reward-ineligible
Shown without a cash valueFive points per ₹200 on eligible IRCTC train tickets and two on IRCTC flights/hotels
Shown without a cash valueThree points per ₹200 on eligible FASTag, NCMC reload and UTS transactions
Shown without a cash value500 points each quarter after ₹75,000 eligible spend
Shown without a cash value
Fees · 2 items
Annual card fee
Cost ₹500₹500 annual fee before applicable tax.
Joining fee
Cost ₹500₹500 one-time joining fee before applicable tax.
Welcome benefits · 1 item
500 welcome reward points
Recorded value ₹500IRCTC reward points worth ₹500 on the published redemption route.
Conditions: Pay the annual membership fee · Complete an eligible transaction above ₹500 within 30 days of card issuance
Spend milestones · 1 item
500 points at ₹75,000 eligible calendar-quarter spend
500 reward unitsUnlocked after ₹75,000 of eligible spending.
Conditions: Reach ₹75,000 per calendar quarter
Airport lounge access · 2 items
Eight participating railway-lounge visits per year, capped at two per quarter
Shown without a cash valueEight railway-lounge visits yearly plus ₹5,000 train-ticket cancellation cover
Shown without a cash value
Insurance and protection · 1 item
Train-ticket cancellation cover up to ₹5,000 under the published policy conditions
Shown without a cash value
Foreign-currency charges · 1 item
Foreign-currency markup
Usage-based value3.5% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Eligibility and availability · 1 item
Application eligibility
Shown without a cash valueApplication availability: open. No universal verified numeric income threshold is used as a hard filter. RBL Bank does not publish one universal numeric income threshold for this co-brand card.
Other benefits · 2 items
Reversal of eligible IRCTC train booking transaction charge: 1% up to ₹200 on bookings up to ₹5,000
Shown without a cash valueNCMC contactless transit functionality on eligible card variants
Shown without a cash value
Other categories (9)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Fee waiver
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Card tiers
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Movies and entertainment
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Travel privileges
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Dining
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Golf
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Fuel benefits
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Memberships
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Concierge
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗
What stands out
- ✓ Five points per ₹200 on eligible IRCTC train tickets and two on IRCTC flights/hotels
- ✓ Three points per ₹200 on eligible FASTag, NCMC reload and UTS transactions
- ✓ 500 points each quarter after ₹75,000 eligible spend
- ✓ Eight railway-lounge visits yearly plus ₹5,000 train-ticket cancellation cover
What to watch
Railway lounges are not airport lounges. Each accelerated channel has a 1,000-point billing-cycle cap, broad categories are excluded, and offline RuPay UPI purchases below ₹2,000 at small merchants do not earn points.
Recorded exclusions
Fuel Commute · Bills Utilities · Insurance · Rent · Education Family · Wallet load · Government payments · Quasi cash · Contracted services · Cash withdrawal · Bills2pay · Emi · Fees charges · Gst
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 23 Sept 2026