RBL Bank
IRCTC RBL Bank Credit Card
Annual Fee
₹500
Base Reward
2.5% points
Foreign Markup
3.5%
Welcome Benefits
500 Reward Points on spending a minimum of ₹500 within the first 30 days of card issuance.
Product Highlights
- 5 Reward Points for every ₹200 spent on train bookings
- 2 Reward Points for every ₹200 spent on flight, cruise, and hotel bookings
Category Rewards
travel
5 Reward Points/₹200 on Train Bookings
5 Reward Points/₹200 on Train Bookings
other
1 Reward Point/₹200 on Other Eligible Purchases
1 Reward Point/₹200 on Other Eligible Purchases
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
IRCTC
online
Rewards Details
5 Reward Points for every ₹200 spent on train bookings with IRCTC. 2 Reward Points for every ₹200 spent on flight, cruise, and hotel bookings with IRCTC. 1 Reward Point for every ₹200 spent on other eligible purchases.
- 1 RP = ₹1 when redeemed on the IRCTC website or application.
Benefits & Features
Domestic: 8 complimentary visits each year (2 complimentary visits each quarter) Primary cardholders shall be eligible for complimentary railway lounge access.
Pros & Cons
Pros
- 2.5% reward rate on train bookings
- Complimentary railway lounge access
Cons
- No benefits in categories like movies or dining
- Limited to travel-related rewards
Additional Info
Excluded Categories
Partner Merchants
Fees & Charges
Eligibility
Networks