Question 1

What is the primary benefit of the IRCTC RBL Bank Credit Card?

Accepted Answer

The IRCTC RBL Bank Credit Card is primarily designed for frequent train travelers, offering a high reward rate of 2.5% on IRCTC train bookings and an integrated National Common Mobility Card (NCMC) for public transport.

Question 2

How can I earn Reward Points with the IRCTC RBL Bank Credit Card?

Accepted Answer

You earn 5 Reward Points for every ₹200 spent on IRCTC train bookings, 2 Reward Points for every ₹200 on flights/hotels/cruises via IRCTC, and 1 Reward Point for every ₹200 on other eligible spends.

Question 3

What is the value of 1 Reward Point on the IRCTC RBL Bank Credit Card?

Accepted Answer

Each Reward Point earned with the IRCTC RBL Bank Credit Card holds a value of ₹1 when redeemed for train ticket bookings on the IRCTC website or app.

Question 4

Where can I redeem Reward Points earned with this credit card?

Accepted Answer

Reward Points from your IRCTC RBL Bank Credit Card can be redeemed exclusively on the IRCTC Website or Mobile App, primarily for train ticket bookings.

Question 5

Does the IRCTC RBL Bank Credit Card offer lounge access?

Accepted Answer

Yes, primary cardholders of the IRCTC RBL Bank Credit Card are eligible for 2 complimentary railway lounge visits each quarter, totaling 8 visits per year.

Question 6

What is the joining and renewal fee for the IRCTC RBL Bank Credit Card?

Accepted Answer

The IRCTC RBL Bank Credit Card has a joining fee of ₹500 + GST and an annual renewal fee of ₹500 + GST.

Question 7

Are there any charges for redeeming rewards with the IRCTC RBL Bank Credit Card?

Accepted Answer

Yes, a rewards redemption fee of ₹99 + GST is charged for each request made to redeem Reward Points from the IRCTC RBL Bank Credit Card.

Question 8

How does the National Common Mobility Card (NCMC) feature work with this card?

Accepted Answer

The IRCTC RBL Bank Credit Card integrates NCMC, allowing seamless tap-and-pay transactions at various metro stations, bus terminals, and other transit points, functioning as an offline wallet.

Question 9

What insurance benefits are included with the IRCTC RBL Bank Credit Card?

Accepted Answer

The IRCTC RBL Bank Credit Card provides an insurance cover for train ticket cancellations, offering benefits up to ₹5,000.

Question 10

Is there a fuel surcharge waiver on the IRCTC RBL Bank Credit Card?

Accepted Answer

Yes, the IRCTC RBL Bank Credit Card offers a 1% surcharge waiver on fuel transactions, helping cardholders save on fuel costs.

IRCTC RBL Bank Credit Card

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