IRCTC RBL Bank Credit Card
Joining Fee: ₹500 + GST
Renewal Fee: ₹500 + GST
Reward Type: Reward Points
Welcome Benefits
500 Reward Points: Earned by spending at least ₹500 within the first 30 days of card issuance. These points are credited within 60 days and can be redeemed on the IRCTC website or mobile app.
Rewards Rate
Train Bookings via IRCTC: 5 Reward Points for every ₹200 spent.
Flight, Cruise, and Hotel Bookings via IRCTC: 2 Reward Points for every ₹200 spent.
Other Eligible Purchases: 1 Reward Point for every ₹200 spent.
Reward Redemption
Value: 1 Reward Point = ₹1.
Redemption Platform: Points can be redeemed on the IRCTC website or mobile app for a variety of rewards, including train tickets, flight bookings, hotel stays, and more.
Travel Benefits
Railway Lounge Access: Enjoy 2 complimentary visits per quarter to railway lounges across India, totaling 8 visits per year. This benefit provides access to comfortable waiting areas with amenities like snacks, tea/coffee, and other facilities.
Insurance Benefits
Train Cancellation Insurance: Provides coverage up to ₹5,000 in case of train cancellations.
Additional Features
Waiver on Transaction Charges: Receive a 1% waiver on transaction charges for IRCTC train bookings, applicable on transactions up to ₹500, with a maximum waiver of ₹200 per month.
UPI Payments: The card supports UPI payments via RuPay, allowing for easy transactions through apps like Google Pay without needing a physical card.
National Common Mobility Card (NCMC): Features an inbuilt offline wallet with a maximum limit of ₹2,000, facilitating contactless payments at metro stations, bus terminals, and other locations. The NCMC feature is usable at various metro systems and public transport terminals across India, including Delhi Metro, Bangalore Metro, and Mumbai Metro.
FASTag Recharge:
Reward Points: Earn 3 Reward Points per ₹200 spent on FASTag recharges through RBL Bank digital channels or NCMC reloads.
Fees and Charges
Interest Rate: Applicable interest rates on outstanding balances.
Cash Advance Fee: Typically 2.5% of the withdrawn amount or a minimum of ₹500.
Foreign Currency Markup Fee: Not applicable, as the card is a RuPay card and generally doesn't involve foreign transactions.
Summary
The IRCTC RBL Bank Credit Card is designed for frequent IRCTC users and public transport commuters. It has a joining and renewal fee of ₹500 + GST. New cardholders earn 500 Reward Points after spending ₹500 within 30 days.
The card offers 5 Reward Points per ₹200 on IRCTC train bookings, 2 points for flights, cruises, and hotels via IRCTC, and 1 point on other purchases. Points are redeemable on the IRCTC website or app, with 1 point equal to ₹1.
Benefits include 2 complimentary railway lounge visits per quarter, UPI payments via RuPay, and the National Common Mobility Card (NCMC) feature for contactless metro and bus payments up to ₹2,000. FASTag recharges earn 3 Reward Points per ₹200. The card also provides a 1% waiver on IRCTC booking transaction charges and train cancellation insurance up to ₹5,000. It does not offer domestic or international lounge access, golf benefits, or foreign currency transactions. Ideal for IRCTC users, it offers significant travel and transit benefits.