RBL Bank
IRCTC RBL Bank Credit Card
Annual Fee
₹590₹500 + GSTBase 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
Specialty
3X RP on FASTag recharge via RBL Digital / NCMC / UTS
3X
Specialty
3X RP on FASTag recharge via RBL Digital / NCMC / UTS
3X
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
IRCTC
5X RP on IRCTC train ticket bookings
IRCTC
2X RP on flights & hotels via IRCTC
Reward Calculator
Earns ₹1,810/year (net)
Modest gain. Solid hold if you like the perks.
₹19K
across all your buckets
2.4K
IRCTC Reward Points
₹2.4K
via standard
Effective rate
1.05%
Annual fee
₹590
Year 1 net
+₹1,810
Year 2+ net
+₹1,810
ongoing
Adjust your spend by reward bucket
4 bucketsSurcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
3.5%Charged on every international (non-INR) transaction
Excluded from rewards
emi, cash advance, rent, wallet, government
Fuel surcharge waiver (good news)
1%on ₹500–₹4,000 fuel txns · capped at ₹100/cycle
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
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
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Networks