All Cards
rupayclassiccredit
IRCTC RBL Bank Credit Card
RBL Bank
travel
Annual Fee
₹500
Joining Fee
₹500 + GST
Base Reward
2.5% points
Foreign Markup
3.5%
Interest Rate
2.5% to 3.99% Per Month
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
Rewards
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.
Redemption
1 RP = ₹1 when redeemed on the IRCTC website or application.
Category Rewards
| Category | Reward Rate | Monthly Cap |
|---|---|---|
travel | 2.5%(5 Reward Points/₹200 on Train Bookings) | No cap |
other | 0.5%(1 Reward Point/₹200 on Other Eligible Purchases) | No cap |
Merchant-Specific Rewards
| Merchant | Reward | Context |
|---|---|---|
| IRCTC | 5 Reward Points/₹200 | online |
Benefits & Features
Domestic: 8 complimentary visits each year (2 complimentary visits each quarter) Primary cardholders shall be eligible for complimentary railway lounge access.
Fees & Charges
Annual Fee₹500
Joining Fee₹500 + GST
Foreign Markup3.5%
Interest Rate2.5% to 3.99% Per Month
Cash Advance2.5% of the Cash Amount or a Minimum of ₹500
Redemption Fee₹99 + GST
Eligibility
Available Networks
rupay
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
rentwalletinsurancefuel
Partner Merchants
IRCTC