IRCTC RBL Bank Credit Card review
Frequent train travellers who book on the IRCTC website/app and want railway-lounge access plus a transaction-charge waiver on rail tickets. Verified as of June 2026.
By NexMaxo Editorial Team · Terms verified June 2026 · confirm before applying
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At a glance
RBL Bank · RuPay
5 Reward Points per ₹200 on IRCTC train ticket bookings (1 RP = ₹1 on IRCTC), i.e. ~2.5% value back on rail tickets.
- Annual fee
- ₹500 + GST joining fee; ₹500 + GST annual/renewal fee (no spend-based waiver advertised)
- Reward rate
- 5 RP/₹200 on IRCTC train tickets; 3 RP/₹200 on FASTag/NCMC; 2 RP/₹200 on IRCTC flights/hotels/tourism; 1 RP/₹200 on other select spends. 1 RP = ₹1 when redeemed on IRCTC.
- Lifetime-free
- No
- Network
- RuPay
- Eligibility
- approx: salaried/self-employed adults (age ~21-65); specific minimum income not published by RBL/aggregators
Why it stands out
- 5 RP per ₹200 on IRCTC train tickets; 3 RP/₹200 on FASTag/NCMC recharge; 2 RP/₹200 on IRCTC flights & hotels; 1 RP/₹200 on other spends (1 RP = ₹1 on IRCTC)
- 8 complimentary IRCTC Executive railway lounge visits per year (max 2 per quarter, primary cardholder only; guests chargeable)
- 1% IRCTC train-booking transaction-charge waiver on transactions up to ₹5,000, capped at ₹200/month (reversed in next statement)
Good to know
- It isn't lifetime-free — the annual fee (₹500 + GST joining fee; ₹500 + GST annual/renewal fee (no spend-based waiver advertised)) applies unless you meet the spend-based waiver.
- Accelerated rewards are usually capped — check the monthly/quarterly caps in the reward rate above before counting on them.
- Issuers revise card terms often, so confirm the current fees, rewards and eligibility on RBL Bank's official page before applying.
How it compares
See it ranked against similar cards in our best travel & lounge credit cards roundup.
IRCTC RBL Bank Credit Card — FAQs
No. The IRCTC RBL Bank Credit Card carries a fee — ₹500 + GST joining fee; ₹500 + GST annual/renewal fee (no spend-based waiver advertised). That fee is typically refunded only if you meet a spend threshold, so it's a spend-based waiver rather than a genuine lifetime-free card.
₹500 + GST joining fee; ₹500 + GST annual/renewal fee (no spend-based waiver advertised). Fees are dated as of June 2026 and can change — check the current schedule of charges on RBL Bank's official page before applying.
5 Reward Points per ₹200 on IRCTC train ticket bookings (1 RP = ₹1 on IRCTC), i.e. ~2.5% value back on rail tickets. In detail: 5 RP/₹200 on IRCTC train tickets; 3 RP/₹200 on FASTag/NCMC; 2 RP/₹200 on IRCTC flights/hotels/tourism; 1 RP/₹200 on other select spends. 1 RP = ₹1 when redeemed on IRCTC.. Reward values and caps are indicative and set by the issuer.
Frequent train travellers who book on the IRCTC website/app and want railway-lounge access plus a transaction-charge waiver on rail tickets. Eligibility is broadly approx: salaried/self-employed adults (age ~21-65); specific minimum income not published by RBL/aggregators. It's not advice — pick a card that fits your own spending and confirm you qualify on the issuer's page.
This is an informational review, not financial advice or a recommendation to apply. Card terms change often — confirm current fees, reward rates and eligibility on RBL Bank's official page before applying. Using credit responsibly and paying your bill in full avoids interest.