IRCTC RBL Bank RuPay Credit Card
Rewards & Benefits
Welcome Benefits
Users will get 500 reward points on shopping above INR 500 within the first 30 days of card issuance.
Milestone Benefits
Cashback Rate
Users will earn 5 reward points per INR 200 spent on train ticket bookings through the IRCTC website or app.
One reward point, if redeemed at the IRCTC website, is worth Rs.1. So, the effective cashback rate is 2.5%.
If the reward points are redeemed on platforms other than IRCTC then the value of 1 reward point is Rs. 0.25.
Users will get 3 reward points per INR 200 swiped on FASTag recharge from RBL Bank Digital Channels/NCMC Reload/UTS App with a cashback rate of 0.375%.
Users will get 2 reward points per INR 200 spent on booking flights, hotels and cruises from the IRCTC website or app with a cashback rate of 0.25%
1 reward point per INR 200 spent everywhere else with a cashback rate of 0.125%.
Movie Benefits
Dining Benefits
Other Benefits
Users can enjoy Rs 5,000 cancellation protection in case a train is cancelled at the last minute.
Lounge Access
Fees & Charges
Joining Fee
500 + GST
Annual Fee
500 + GST (from 2nd year).
Cash Advance Fee
Cash Advance fee: 2.5% of the cash amount withdrawn (minimum Rs 500)
Interest rate
3.99% p.m (upto 47.88% p.a)
Late Payment Fee
Late Payment fees: Up to Rs.100 - ZeroLate fee. Above Rs.100 -12.5% of total due amount (Max Rs. 1300/-)
Foreign Currency Transactions Fee
Foreign Currency Transaction Fees: 3.5%
Other Fees
Finance charges/ Interest Charges: upto 3.99% p.m (upto 47.88% p.a) | Reward Redemption fees: Rs 99 | EMI Processing fees: Rs 199 + GST
Cons
Low general cashback rate.
Welcome B.enefit: Users will get 500 reward points on shopping above INR 500 within the first 30 days of card issuance.
Reward System: Users will earn 5 reward points per INR 200 spent on train ticket bookings through the IRCTC website or app. One reward point, if redeemed at the IRCTC website, is worth Rs.1. So, the effective cashback rate is 2.5%. If the reward points are redeemed on platforms other than IRCTC then the value of 1 reward point is Rs. 0.25. Users will get 3 reward points per INR 200 swiped on FASTag recharge from RBL Bank Digital Channels/NCMC Reload/UTS App with a cashback rate of 0.375%. Users will get 2 reward points per INR 200 spent on booking flights, hotels and cruises from the IRCTC website or app with a cashback rate of 0.25% and 1 reward point per INR 200 spent everywhere else with a cashback rate of 0.125%.
Users will get 8 complimentary (2 visits per quarter) lounge access at railway stations.
Users can enjoy INR 5,000 cancellation protection in case a train is cancelled at the last minute.
Transaction charges of 1% up to INR 200 on train ticket booking will be reversed on IRCTC RBL Bank credit card.
Users can link their credit card to UPI and make payments but only on RuPay versions of the credit card.
Rewards & Benifits
Welcome Benefits
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Rewards System
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International Forex Markup
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Welcome Benefits and Reward System
Special Features
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Eligibility Criteria
Not specified by the bank.
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
How to Apply for the IRCTC RBL Bank Credit Card
Online Application:
Visit the RBL Bank Website: Go to the RBL Bank website and navigate to the credit cards section.
Search for the IRCTC Credit Card: Look for the IRCTC RBL Bank Credit Card and click on the "Apply Now" button.
Fill in the Application Form: Complete the online application form with your personal and financial details.
Submit Your Application: Once you've filled in the form, submit your application for review.
Offline Application:
Visit an RBL Bank Branch: Go to your nearest RBL Bank branch.
Request an Application Form: Ask for an IRCTC RBL Bank Credit Card application form from a bank representative.
Fill in the Application Form: Complete the form with your details and submit it to the bank representative.
Contact Details
RBL Bank Credit Card Helpline
+91 22 6232 7777
Email: cardservices@rblbank.com
Account Opening and Procedure
Recommended Credit Cards
Pros:-
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Cons:-
Welcome B.enefit: Users will get 500 reward points on shopping above INR 500 within the first 30 days of card issuance.
Reward System: Users will earn 5 reward points per INR 200 spent on train ticket bookings through the IRCTC website or app. One reward point, if redeemed at the IRCTC website, is worth Rs.1. So, the effective cashback rate is 2.5%. If the reward points are redeemed on platforms other than IRCTC then the value of 1 reward point is Rs. 0.25. Users will get 3 reward points per INR 200 swiped on FASTag recharge from RBL Bank Digital Channels/NCMC Reload/UTS App with a cashback rate of 0.375%. Users will get 2 reward points per INR 200 spent on booking flights, hotels and cruises from the IRCTC website or app with a cashback rate of 0.25% and 1 reward point per INR 200 spent everywhere else with a cashback rate of 0.125%.
Users will get 8 complimentary (2 visits per quarter) lounge access at railway stations.
Users can enjoy INR 5,000 cancellation protection in case a train is cancelled at the last minute.
Transaction charges of 1% up to INR 200 on train ticket booking will be reversed on IRCTC RBL Bank credit card.
Users can link their credit card to UPI and make payments but only on RuPay versions of the credit card.
Low general cashback rate.
The card offers a decent cashback rate for booking train tickets. Most of the benefits are tailored for individuals who travel using trains frequently.
The card offers a decent cashback rate for booking train tickets. Most of the benefits are tailored for individuals who travel using trains frequently.
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
Product Review
Fees & Charges
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Fuel Surcharge
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Billing Cycle
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