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RBL Bank · Visa / RuPay · हिन्दी

RBL Bank IRCTC Credit Card: full review

The RBL Bank IRCTC Credit Card is a genuinely well-built card for its specific purpose: frequent IRCTC train travel. The 2.5% return on train bookings, 8 railway lounge visits a year, and real cancellation protection are hard to match elsewhere for a ₹500 fee. But its value narrows fast outside train travel, with only a flat 0.5% on general spending, so this only makes sense if IRCTC bookings are a genuine, recurring part of how you spend.

Apply now ↗Annual fee: ₹500 + GST
Last updated: October 2026 · Current terms verified
RBL BANK
VISA
)))
IRCTC
ASHOK KUMAR
12/28
₹500 + GST annual, no waiver statedAnnual fee
5 Reward Points per ₹200 on IRCTC train bookings via the IRCTC website or app (a real 2.5% return, since RBL values 1 Reward Point at ₹1 on its own portal); 3 Reward Points per ₹200 on FASTag recharge via RBL digital channels/NCMC reload/UTS app; 2 Reward Points per ₹200 on flights and hotels booked via IRCTC; 1 Reward Point per ₹200 everywhere elseReward structure
8 railway lounge visits/year (2 per quarter)Lounge access
5 Reward Points per ₹200 on IRCTC train ticket bookings, a real 2.5% return3 Reward Points per ₹200 on FASTag recharge via RBL digital channels2 Reward Points per ₹200 on flights and hotels booked through IRCTC500 Reward Points welcome bonus on ₹500+ spend within 30 days, once the annual fee is paid8 complimentary railway lounge visits per year (2 per quarter)₹5,000 train cancellation protection if your train is cancelled at the last minute1% transaction fee on train ticket bookings (up to ₹200) reversed each statement cycle, capped at ₹5,000 of booking valueRuPay variant supports Tap & Go transit (NCMC) at metro and bus stations, and UPI Scan and Pay
Apply now ↗ Min. income: Not publicly specified · Credit score: Not publicly specified
Pros and cons
Pros
✓ A real, genuinely useful 2.5% return on IRCTC train bookings specifically, where most general cards earn little or nothing
✓ 8 railway lounge visits a year is a strong number for a ₹500 fee card
✓ ₹5,000 cancellation protection and a transaction-fee reversal are practical, train-specific benefits few other cards offer
✓ Available on both Visa and RuPay, with RuPay adding UPI and metro/bus transit support
Cons
✗ Reward rate drops sharply away from IRCTC bookings: just 1 Reward Point per ₹200 (0.5%) on general spending
✗ Fuel, utilities, insurance, rent, education, wallets, government services and EMI conversions are all excluded from rewards and milestone benefits
✗ No stated annual fee waiver, unlike many lifetime-free competitors
✗ The welcome bonus and lounge access both depend on the annual fee being paid first
✗ Income and credit score requirements are not published for this specific card
Quick facts
Issuer RBL Bank
Network Visa / RuPay
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹500 + GST annual, no waiver stated
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹500
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 8 railway lounge visits/year (2 per quarter)
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5%
Fee waiver No waiver stated
Add-on cards ₹200 annual fee per add-on card
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → Not publicly specified
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → Not publicly specified
SourceRBL Bank's published card terms and official card page · Last updated October 2026
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Frequently asked questions
The annual fee for RBL Bank IRCTC Credit Card is ₹500 + GST annual, no waiver stated. The joining fee is ₹500.
5 Reward Points per ₹200 on IRCTC train bookings via the IRCTC website or app (a real 2.5% return, since RBL values 1 Reward Point at ₹1 on its own portal); 3 Reward Points per ₹200 on FASTag recharge via RBL digital channels/NCMC reload/UTS app; 2 Reward Points per ₹200 on flights and hotels booked via IRCTC; 1 Reward Point per ₹200 everywhere else
RBL Bank IRCTC Credit Card is best for Frequent IRCTC train travellers who will use the railway lounges and want cancellation protection, not a general-purpose rewards card. The RBL Bank IRCTC Credit Card is a genuinely well-built card for its specific purpose: frequent IRCTC train travel. The 2.5% return on train bookings, 8 railway lounge visits a year, and real cancellation protection are hard to match elsewhere for a ₹500 fee. But its value narrows fast outside train travel, with only a flat 0.5% on general spending, so this only makes sense if IRCTC bookings are a genuine, recurring part of how you spend.
The minimum income requirement for RBL Bank IRCTC Credit Card is Not publicly specified. A minimum credit score of Not publicly specified is also recommended.
Yes, RBL Bank IRCTC Credit Card offers 8 railway lounge visits/year (2 per quarter).
RBL Bank IRCTC Credit Card charges a 3.5% foreign currency markup on international transactions. This is in line with the standard 3.5% charged by most Indian credit cards.
Related guides
Best Travel Credit Cards →Best Premium Credit Cards →Best Super Premium Credit Cards →Best Credit Cards for International Travel →Best Airline Credit Cards →
Card reviews
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RBL Bank IRCTC₹500 + GST
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