Best IRCTC Co-Branded Credit Cards
Explore top cards like the IRCTC SBI Card Premier, HDFC Bank RuPay IRCTC Credit Card, IRCTC RBL Bank Credit Card, IRCTC RuPay BOBCARD Credit Card, and 2 more.
6 Cards Found
IRCTC SBI Card Premier
Joining Fee:
₹1,499 + GST
Renewal Fee:
₹1,499 + GST
Reward Type:
Reward Points
HDFC Bank RuPay IRCTC Credit Card
Joining Fee:
₹500 + GST
Renewal Fee:
₹500 + GST
Reward Type:
Reward Points
IRCTC RBL Bank Credit Card
Joining Fee:
₹500 + GST
Renewal Fee:
₹500 + GST
Reward Type:
Reward Points
IRCTC RuPay BOBCARD Credit Card
Joining Fee:
₹500 + GST
Renewal Fee:
₹350 + GST
Reward Type:
Reward Points
IRCTC SBI Platinum Card
Joining Fee:
₹500 + GST
Renewal Fee:
₹500 + GST
Reward Type:
Reward Points
IRCTC SBI RuPay Credit Card
Joining Fee:
₹500 + GST
Renewal Fee:
₹500 + GST
Reward Type:
Reward Points
IRCTC Credit Cards - A Fully Active Lineup
IRCTC's co-branded railway credit cards span SBI Card (three variants), HDFC Bank, RBL Bank, and Bank of Baroda. Unlike several other co-brand categories, all six cards here remain open to new applicants.
Entry Tier vs Premier
Five of the six cards sit at a ₹500 joining fee, with the IRCTC RuPay BOBCARD Credit Card renewing slightly cheaper at ₹350. The IRCTC SBI Card Premier, at ₹1,499, is the one step-up option with richer travel and dining benefits.
If You Already Bank With SBI, RBL, HDFC, or BOB
Since SBI Card, RBL Bank, HDFC Bank, and Bank of Baroda all offer a version, matching the card to your existing bank relationship is a reasonable tiebreaker given how similar the fee structures are across issuers.
IRCTC Credit Cards Compared
| Card | Fee | Reward Type | Best For |
|---|---|---|---|
| IRCTC SBI Card Premier | ₹1,499 + GST | Reward Points | Premium tier, ₹1,499 |
| IRCTC SBI Platinum Card | ₹500 + GST | Reward Points | ₹500 |
| IRCTC SBI RuPay Credit Card | ₹500 + GST | Reward Points | ₹500, RuPay |
| HDFC Bank RuPay IRCTC Credit Card | ₹500 + GST | Reward Points | ₹500, RuPay |
| IRCTC RBL Bank Credit Card | ₹500 + GST | Reward Points | ₹500 |
| IRCTC RuPay BOBCARD Credit Card | ₹500 + GST | Reward Points | ₹500 joining, ₹350 renewal |
How to Choose
SBI Card runs the widest IRCTC lineup
SBI Card issues three of the six IRCTC cards here - IRCTC SBI Card Premier (₹1,499), IRCTC SBI Platinum Card (₹500), and IRCTC SBI RuPay Credit Card (₹500) - giving the most choice if you want to stick with one issuer.
All six cards are currently active
Unlike some co-brand lineups where several variants have been discontinued, every IRCTC card here - across SBI Card, HDFC Bank, RBL Bank, and Bank of Baroda - is currently open to new applicants, so the comparison is a genuine like-for-like across all six.
Most cards sit at the same ₹500 entry point
The HDFC Bank RuPay IRCTC Credit Card, IRCTC RBL Bank Credit Card, IRCTC RuPay BOBCARD Credit Card, IRCTC SBI Platinum Card, and IRCTC SBI RuPay Credit Card all charge ₹500 joining fee - the IRCTC SBI Card Premier is the one step-up option at ₹1,499.