What is the IRCTC RBL Bank Credit Card?

The IRCTC RBL Bank Credit Card is a co-branded travel and transit credit card designed for frequent travelers, especially those who book via IRCTC, offering rewards and NCMC functionality.

What are the welcome benefits of the IRCTC RBL Bank Credit Card?

Cardholders earn 500 Reward Points on the IRCTC RBL Bank Credit Card upon spending a minimum of ₹500 within the first 30 days of card issuance.

How much is the joining fee for the IRCTC RBL Bank Credit Card?

The joining fee for the IRCTC RBL Bank Credit Card is ₹500 + GST. The renewal fee is also ₹500 + GST.

How do I earn reward points with the IRCTC RBL Bank Credit Card?

You earn 5 Reward Points for every ₹200 spent on IRCTC train bookings, 3 Reward Points/₹200 on FASTag/NCMC Reload/UTS App, and 2 Reward Points/₹200 on IRCTC flight, hotel, or cruise bookings.

How can I redeem reward points earned on my IRCTC RBL Bank Credit Card?

Reward Points from the IRCTC RBL Bank Credit Card can be redeemed at the IRCTC Website or Mobile App, where each point is equivalent to ₹1 for bookings.

Does the IRCTC RBL Bank Credit Card offer lounge access?

Yes, primary cardholders of the IRCTC RBL Bank Credit Card receive 2 complimentary railway lounge visits each quarter, totaling 8 accesses annually.

What is the National Common Mobility Card (NCMC) feature on this card?

The IRCTC RBL Bank Credit Card includes NCMC functionality, allowing convenient tap-and-pay transactions at metro stations, bus terminals, and other public transport.

Are there any insurance benefits with the IRCTC RBL Bank Credit Card?

Yes, the IRCTC RBL Bank Credit Card offers insurance cover for train cancellation up to ₹5,000, providing peace of mind for travelers.

What are the foreign currency markup charges for the IRCTC RBL Bank Credit Card?

The foreign currency markup for international spends on the IRCTC RBL Bank Credit Card is 3.5%.

Can I use the IRCTC RBL Bank Credit Card for UPI payments?

Yes, as the IRCTC RBL Bank Credit Card is a RuPay variant, it fully supports convenient and secure UPI payments.

RBL Bank

IRCTC RBL Bank Credit Card

TravelUtilities

Last updated: 30 October 2025

Benefits & Features

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Welcome Offer

Earn 500 Reward Points on spending ₹500 within 30 days of card issuance.

Rewards Rate

2.5% effective reward rate on IRCTC train bookings (5 RP for every ₹200 spent).

Reward Type

Reward Points

Reward Redemption

Redeem Reward Points on IRCTC website/app; each point equals ₹1 for bookings.

Domestic Lounge Access

8 complimentary railway lounge visits annually at select railway stations across India.

International Lounge Access

Not Applicable

Premium Benefits

Not Applicable

Insurance Coverage

Train cancellation cover up to ₹5,000 for IRCTC RBL Bank Credit Card holders.

Movie

Not Applicable

Dining

Not Applicable

Travel Benefits

8 complimentary railway lounge visits annually, 1% IRCTC transaction waiver & train cancellation cover.

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Frequently Asked Questions

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