On buying tickets through irctc.co.in & IRCTC Mobile App for AC1, AC2, AC3, executive chair car and chair car, users can get upto 10% value back as reward points. 1 reward point will be awarded on INR 125 on all other spends. Effective general cashback rate: 0.8%

On buying tickets through irctc.co.in & IRCTC Mobile App for AC1, AC2, AC3, executive chair car and chair card, users can get upto 10% value back as reward points. 3 reward points on every 125 spent at dining, and on standing instructions on utility bill payment. Dining & bill cashback rate: 2.4%. 1 reward point on INR 125 on all other spends. Effective general cashback rate: 0.8%

Users will get 13 point on spend of every INR 100 at BPCL petrol pumps + Bharat Gas + BPCL fuel lubricants. Value of 1 point = INR 0.25. Effective cashback rate: 3.25% (Capped at 1300 reward points per month). 5 reward points on every 100 spent at dining, departmental stores, grocery and movies. Dining & entertainment cashback rate: 1.25% (Capped at 5000 reward points per month). 1 reward point on INR 100 on all other spends. Effective general cashback rate: 0.25%.

Users will get 25 points on spending every INR 100 at BPCL petrol pumps + Bharat Gas + BPCL fuel lubricants. Value of 1 point = INR 0.25. Effective cashback rate: 6.25% (Capped at 2500 reward points per month). 10 reward points on every 100 spent at dining, departmental stores, grocery and movies. Dining & entertainment cashback rate: 2.5% (Capped at 7500 reward points per month). 1 reward point on INR 100 on all other spends. Effective general cashback rate: 0.25%

Users will get 10 points on spending every INR 100 on CSD, dining, movies, departmental stores and groceries. Value of 1 point = INR 0.25. Effective cashback rate: 2.5%. 2 reward points on all other spend per INR 100. Effective general cashback rate: 0.5%.