IRCTC RBL Bank Credit Card: Check Features, Benefits and more

Credit cards are quite necessary in today’s dynamic finance world. They have lots to offer, from making it easier to pay, to enabling exclusive rewards and offers. When it comes to selecting a credit card, the IRCTC RBL Bank Credit Card is unmatched, especially if you are a frequent railway traveler and also love to travel. This card provides a blend of travel perks, reward points and special benefits for both train travel and every day spending.

In today’s post we’ll deep dive into the features, benefits, fees and how the IRCTC RBL Bank Credit Card can strenghten your lifestyle. If you're a constant traveler or just someone who likes the benefits and simplicity that comes from owning a credit card, this card may be right for you.

What is the IRCTC RBL Bank Credit Card about?

IRCTC and RBL Bank along with the Rupay takes pride in introducing the IRCTC RBL Bank co-branded credit card for Indian Railway fare being exclusively designed to offer unbeatable savings on your travel. This credit card is ideal for frequent travellers who often make bookings on IRCTC for train tickets, travel packages and other such services. This card provides traveling needs related rewards, benefits on train booking, and travel related perks!, hence is the perfect traveling companion to make your journey even more luxurious.

Not only does it give travel benefits, but earn on all spending as well, so it's a versatile choice for many people.

Important Aspects of the IRCTC RBL Bank Credit Card

Joining and Annual Fee

Joining Fee: ₹500 + GST
Annual Fee: ₹500 + GST
Renewal Fee: ₹500 + GST (The fee can be reversed on spending ₹75,000 in the past one year).

These fees are pretty moderate in comparison to many other high-end credit cards, especially with all the extras the card gives you access to. The $95 membership fee to join is also very modest, which makes it an option for people who are trying to maximize reward benefit without a large upfront expenditure.

Welcome Benefits

The IRCTC RBL Bank Credit Card also has a few welcome benefits to spice up the value proposition:

500 Reward Points on your first retail transaction if done within 30 days of card issuance and paying joining fee.

These are fantastic rewards points for cardholders who anticipate using the card shortly after receiving it because they can be redeemed for an assortment of travel and lifestyle rewards.

Offers and Discounts on Train Ticket Bookings in CoinFuckGain Points

The IRCTC RBL Bank Credit Card one of the major advantages of this card is the special rewards offered on all your train bookings from IRCTC. Cardholders can earn:

5 Reward Points per ₹200 spent on IRCTC website for train ticket bookings.

This is a great feature for those who have to book directly from IRCTC and take train frequently as well. The accumulation of reward points on each booking can go very fast and provide excellent value to the cardholder.

Reward Points on Other Purchases

And you can also earn reward points for other spends apart from train bookings:

3 Reward Points for every ₹200 you spend on Fastag recharges on RBL Bank’s digital platforms.
2 Reward Points per ₹200 spent on IRCTC flight, hotel, and cruise bookings on website/app.
1 Reward Point for every ₹200 spent on all other eligible spends.

This wide breadth of categories mean you'll be earning rewards points on a lot of things and it is a useful card to use every day. You will still be able to keep piling up points, whether you’re shopping online or recharging your Fastag.

Reward Points Redemption

You can redeem your reward points on the IRCTC website or on the RBL Rewards Portal if you have enough of them. The value of the reward points is as follows:

1 Reward Point = ₹1 for train ticket bookings on IRCTC.
1 Reward Point = ₹1 for all flight, hotel and cruise bookings through IRCTC.

Reward points are redeemable also for lifestyle and travel rewards, for example, shopping, dining and entertainment. And that ability to redeem well is what makes this card doubly attractive.

Travel Benefits

This is a travel credit card. Below are the travel benefits of the IRCTC RBL Bank Credit Card:

Complimentary Lounge Access

2 free visits per quarter (8/ year) at the participating Indian Railways Première lounges (IRCTC Executive lounge in India).

Such benefit works best for travellers, as it gives a cozy resting place for when your train has yet to arrive.

Train Cancellation Protection

In the event of the Indian Railways cancelling the last minute confirmed rail booking, the benefit also includes up to ₹5,000 as refunds towards make- alternate travel arrangements every year for ticket purchase. This is such a great concept, especially when considering peace of mind for booking travel.

Transaction Fee Waiver

The 1% transaction fee for train tickets booked online through IRCTC (subject to a cap of ₹200 per month) is rolled back. It saves you money on transaction fees when paying for your tickets.

Fuel Surcharge Waiver

1% fuel surcharge is waived for each transaction between ₹500 to ₹3,000 up to ₹1000 per month, It is valid for payments made at all petrol stations in India. Maximum waiver of ₹100 per statement cycle is allowed. This is a great benefit for the cardmembers who frequently gas up their autos since this will let them to get a few extra cents back each time you charge gas.

UPI & Contactless Payments

Easy UPI Transactions

Cardholders can easily link IRCTC RBL Bank Credit Card with UPI (Unified Payments Interface) to pay/train services without any additional transaction charges.

Contactless Transaction

The card also offers the convenience of contactless payments to quickly and securely pay at merchants at eligible payment terminals.

NCMC Support

IRCTC RBL Bank Credit Card is equipped with NCMC feature, which enables the cardholders to use the card for travel on public transport including metro, buses. This is a fantastic features for someone who has to commute to and from work everyday.

Eligibility for the IRCTC RBL Bank Credit Card

Read More Your job may be the only eligibility for IRCTC RBL Bank Credit Card- how to apply | Salaried employees, self-employed can apply, check details here The IRCTC RBL Bank Credit Card can be availed by both salaried or self-employed following the eligibility:

Age: 21- 60 YEARS.
Documents Required for Personal Loan
Eligibility Criteria for Personal Loan
You must be between 21 years and 60 years to apply.

Income: Varies by city and profession, but there is a monthly minimum. In most cases, it is required that you have a good credit score and income to show you are capable of make consistent credit repayments.

Documents: You need to submit PAN card, Aadhaar card, income proof and address proof for verification during application.

Benefits of the IRCTC RBL Bank Credit Card

The IRCTC RBL Bank Credit Card offers a number of benefits that are designed to appeal to frequent travelers:

Get exclusive Rewards on IRCTC: When you book on railway site with your card, you also get rewards and offers that are exclusive to IRCTC customers and frequent rail travelers.

Lounge Access: Avail free lounge entry in major railway stations and airports for frequent travelers to relax and be comfortable.

Fees that don’t break the bank: The joining and annual fees are fairly competitive when compared to other premium credit cards for the benefits you get in return.

Reward Points on Everyday Spending: You do not have to be a road warrior to get rewards. The card earns points on different categories of everyday spending.

Fuel Surcharge Waiver: The fuel surcharge waiver is an added advantage for those who have to frequently refuel their vehicle.

Easy Redemption: Redemption of the reward points is very simple for travel and lifestyle expenditure which increases the value of the card.

Conclusion

The IRCTC RBL Bank Credit Card makes a great choice for those who travel by trains, book train tickets frequently, use IRCTC for other services, or are in favor of reaping rewards on everyday spends. Between the great rewards earning structure and these terrific travel benefits, along with low costs, this is a treasure that enables maximum in savings and convenience!

If you are a frequent Rails user or if you like to earn a good amount of rewards on your routine spends, then the IRCTC RBL Bank Credit Card is a good choice. Thanks to the ability to transfer your points for flight reservations and hotel stays, this card is a perfect idea for everybody that loves to travel.

So, if you are in search of a credit card which can make your travel experiences more rewarding and can help you save on a few of the purchases as well, then the IRCTC RBL Bank Credit Card could be just the perfect one for you?