RBL IRCTC

Product Overview

IRCTC RBL Bank Credit Card is a travel-focused co-branded credit card offered by RBL Bank in partnership with IRCTC. It is specially designed for frequent train travelers and offers reward points on train ticket bookings, railway lounge access, train cancellation protection, and transaction fee waivers on IRCTC bookings.

Eligibility Criteria

✔️ Applicant must be an Indian resident

✔️ Age: 21 to 70 years

✔️ Salaried or Self-Employed Individual

✔️ Stable source of income

✔️ Good CIBIL Score (750+ preferred)

✔️ Subject to RBL Bank's internal credit policy

Features and Benefits

✔️ Welcome Benefit: 500 Reward Points on making an eligible transaction above ₹500 within 30 days and payment of membership fee.

✔️ Earn 5 Reward Points per ₹200 spent on train ticket bookings through IRCTC Website & Rail Connect App.

✔️ Earn 3 Reward Points per ₹200 spent on FASTag Recharge, NCMC Reload & UTS App transactions.

✔️ Earn 2 Reward Points per ₹200 spent on flight, hotel and tourism bookings through IRCTC.

✔️ Earn 1 Reward Point per ₹200 spent on other eligible transactions.

✔️ 1 Reward Point = ₹1 when redeemed on IRCTC website or app.

✔️ 8 Complimentary Railway Lounge Visits per Year (2 per quarter).

✔️ Train Cancellation Protection Cover up to ₹5,000.

✔️ 1% Transaction Charge Waiver on IRCTC train ticket bookings (up to ₹200).

✔️ RuPay Variant supports UPI Payments and NCMC Transit functionality.

Fees & Charges

✔️ Joining Fee: ₹500 + GST

✔️ Annual Fee: ₹500 + GST

✔️ Finance Charges: Up to 3.99% per month (47.88% p.a.)

✔️ Cash Advance Fee: 2.5% of withdrawal amount (Minimum ₹500)

✔️ Forex Markup: 3.5% (approx.)

✔️ Late Payment Charges: As per RBL Bank policy

Documents Required

✔️ PAN Card (Mandatory)

✔️ Aadhaar Card / Passport / Driving Licence

✔️ Address Proof

✔️ Income Proof (Salary Slip / ITR / Form 16)

✔️ Bank Statements (Last 3–6 Months)

✔️ Passport-size Photograph (if required)

FAQs

✔️ PAN Card (Mandatory)

✔️ Aadhaar Card / Passport / Driving Licence

✔️ Address Proof

✔️ Income Proof (Salary Slip / ITR / Form 16)

✔️ Bank Statements (Last 3–6 Months)

✔️ Passport-size Photograph (if required)

Terms & Conditions

✔️ Welcome Reward Points are credited only after payment of membership fee and meeting eligible spend criteria.

✔️ Reward Points can primarily be redeemed through IRCTC channels.

✔️ Railway lounge access is limited to 2 visits per quarter.

✔️ Approval is subject to RBL Bank's credit assessment and eligibility criteria.

✔️ Benefits, fees and reward structures may change as per bank guidelines.