![IRCTC RBL Bank Credit Card – Review, Benefits & Features (2025)](https://i.ibb.co/FjVPMhp/rbl-irctc-credit-card.png" alt="rbl-irctc-credit-card")
IRCTC RBL Credit Card
Overall Rating: ⭐⭐⭐ (3/5)
Best For: Frequent train travelers who book tickets via IRCTC & want lounge access.
IRCTC RBL Credit Card-Key Highlights
✅ Up to 5X Reward Points on IRCTC bookings
✅ 8 Complimentary Railway Lounge Visits per year
✅ 1% Transaction Fee Waiver on IRCTC bookings
✅ Milestone Rewards: Up to 2,000 bonus points/year
✅ Low Joining Fee: ₹500 + taxes (1st year)
Rewards & Benefits
1. Reward Points Breakdown
| Spend Category | Reward Rate | Monthly Capping | Effective Value-Back |
|---|---|---|---|
| IRCTC Train Bookings (Website/App) | 5X (1 RP = ₹1) | 1,000 RP/month | 2.5% |
| FASTag Recharge (via RBL Digital) | 3X (1 RP = ₹1) | 1,000 RP/month | 1.5% |
| Flight/Hotel (via IRCTC) | 2X (1 RP = ₹1) | 1,000 RP/month | 1% |
| Other Spends | 1 RP per ₹200 spent | No capping | 0.5% |
Redemption:
- Redeem at 1 RP = ₹1 for IRCTC bookings.
- Can also be used on RBL Rewards Portal.
2. Additional Benefits
| Feature | Details |
|---|---|
| Welcome Benefit | 500 RP on spending ₹500+ in first 30 days |
| Milestone Rewards | 500 RP on quarterly spends of ₹75,000 (Max: 2,000 RP/year) |
| Railway Lounge Access | 8 free visits/year (2 per quarter) |
| Train Cancellation Shield | Covers up to ₹5,000 if train is cancelled within 24 hrs (Max 1 claim/6 months) |
| 1% IRCTC Fee Waiver | Reversal of transaction charges (up to ₹200/month) |
Fees & Charges
| Fee Type | Amount |
|---|---|
| Joining Fee (1st Year) | ₹500 + GST |
| Annual Fee (Renewal) | ₹500 + GST (Waived on spends ≥ ₹50,000/year) |
| Late Payment Charges | 12.5% of outstanding (Min ₹5, Max ₹1,300) |
| Finance Charges (Interest) | Up to 3.99% per month (47.88% p.a.) |
Pros & Cons of IRCTC RBL Credit Card
👍 Pros
✔ High rewards on IRCTC bookings (2.5% value-back)
✔ Good lounge access benefit for railway travelers
✔ Low joining fee with welcome rewards
✔ Milestone benefits even for moderate spenders
👎 Cons
❌ Limited redemption options (Only IRCTC/RBL Rewards)
❌ Low rewards on non-IRCTC spends (0.5%)
❌ Capped accelerated rewards (Max 1,000 RP/month per category)
Should You Get This Card?
Ideal For:
- Frequent train travelers who book via IRCTC.
- Those who want railway lounge access.
- Users okay with redeeming points only on IRCTC.
Not Ideal For:
- Those who prefer general-purpose reward cards.
- Users looking for high rewards on shopping/dining.
Top 10 FAQs – IRCTC RBL Credit Card (2025)
1. What are the benefits of the IRCTC RBL Credit Card?
✅ 5X rewards on IRCTC train bookings
✅ 8 free railway lounge visits per year
✅ 1% transaction fee waiver on IRCTC
✅ Milestone rewards (up to 2,000 points/year)
✅ Train cancellation protection
2. How much is the joining fee?
- ₹500 + GST (1st year)
- Annual fee: ₹500 + GST (waived if you spend ₹50,000+ yearly).
3. How to redeem reward points?
- IRCTC Website/App: Use “Pay by Points” for train bookings (1 RP = ₹1).
- RBL Rewards Portal: Redeem for vouchers, flights, etc.
4. What is the reward rate on non-IRCTC spends?
- Only 1 RP per ₹200 spent (0.5% value-back).
- Excluded categories: Fuel, rent, insurance, wallet loads.
5. Does this card offer airport lounge access?
❌ No, it only provides railway lounge access (8 free visits/year).
6. Is there a welcome bonus?
✔ Yes – 500 reward points on spending ₹500+ in the first 30 days.
7. What is the train cancellation benefit?
- Covers up to ₹5,000 if Indian Railways cancels the train within 24 hours.
- Max 1 claim every 6 months.
8. How to get free railway lounge access?
- Show your RBL IRCTC Card + boarding pass at IRCTC Executive Lounges.
- Limit: 2 visits/quarter (8/year).
9. What’s the reward point validity?
⏳ 24 months from the date of earning.
10. Can I upgrade my existing RBL card to IRCTC RBL Card?
- No, this is a co-branded card – you must apply separately.
IRCTC RBL Credit Card–Final Verdict
The IRCTC RBL Credit Card is a decent choice for frequent train travelers, offering good rewards on IRCTC bookings, lounge access, and fee waivers. However, its low rewards on general spends and limited redemption options make it less attractive for everyday use.
📌 Alternatives: If you want better general rewards, consider SBI IRCTC Card or HDFC IRCTC Card.
