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IRCTC RBL Bank Credit Card
RBL Bank
Joining Fee₹500Renewal Fee₹500
Last verified: 26 Sept 2026
Reward Program
RBL Bank Reward Points1 point = ₹1.00
| Category | Earn Rate | Monthly Cap |
|---|---|---|
IRCTC train ticket bookings | 2.5% | ₹1,000/monthly |
Dining and other select categories | 1.5% | ₹1,000/monthly |
| All other spends | 0.5% | No cap |
Redemption fee: 99
🔁
Managed via RBL Rewards
Transfer partners
1 Reward Point = ₹1 for train ticket bookings on the IRCTC Rail Connect app or website — RBL states this directly and it is the strict Rule 5 maximum.Other redemptions through the RBL Rewards portal are worth materially less.
Live Offers
53 activeSalvatore Ferragamo15% Instant Discount up to ₹15,000 with Insignia, Nova & LUMIÈRE credit cards at Salvatore
15% offTill 31 Mar
Diesel15% Instant Discount up to ₹15,000 with Insignia, Nova & LUMIÈRE credit cards at Diesel
15% offTill 31 Mar
TUMI15% Instant Discount up to ₹15,000 with Insignia, Nova & LUMIÈRE credit cards at TUMI
15% offTill 31 Mar
Hugo Boss15% Instant Discount up to ₹15,000 with Insignia, Nova & LUMIÈRE credit cards at Hugo Boss
15% offTill 31 Mar
La Martina15% Instant Discount up to ₹15,000 with Insignia, Nova & LUMIÈRE credit cards at La Martin
15% offTill 31 Mar
Benefits
🛋️
Lounge Access
2 domestic visits/quarter
0 international visits/quarter
2 complimentary RAILWAY lounge visits per quarter — not airport lounges. RBL maintains a separate IRCTC executive lounge list.
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Fuel Surcharge Waiver
1% fuel surcharge waiver, capped at ₹200 per month. Fuel earns no Reward Points.
Milestone Benefits
Spend ₹75,000/quarter500 Reward Points₹500 total by this tier · 0.67% effective rate
Reward Calculator
Assumes the best-paying merchant everywhere, so read it as a ceiling rather than an average.
What this card is worth
Open a section and enter what you actually spend. Everything updates as you type.
Fees & Charges
| Joining Fee | ₹500/yr |
| Renewal Fee | ₹500/yr |
| Forex Markup | 3.5% |
| Interest Rate | 47.88% p.a. |
| Cash Advance Fee | 2.5% of the cash amount, subject to a minimum of ₹500. |
| Reward Redemption Fee | 99 |
