Credit Cards · Honest Review

RBL Bank IRCTC Credit Card

RBL Bank · Visa

₹500Annual fee
1.00%Base rate
4Lounge visits/yr
₹25KMin income/mo
Apply Now →⊕ Compare

Your Verdict

RBL Bank IRCTC Credit Card
RBL Bank · Visa
  • ✓5X reward points on IRCTC train ticket bookings
  • ✓1.8% transaction charge waiver on IRCTC
  • ✓1 railway lounge visit per quarter
  • ✓₹500 fee waived at ₹1L annual spend
  • ✓1X on all other spends
₹500/yrAnnual fee
₹500
Annual fee
1.00%
Base reward rate
4/yr
Lounge access
Good
CIBIL score
Our verdict
The RBL IRCTC Credit Card gives 5X reward points on IRCTC bookings with the 1.8% transaction charge waiver — effectively saving money on every ticket. The ₹500 fee is waived at ₹1L spend, and railway lounge access adds comfort for station waits.
Fees & charges

What RBL Bank IRCTC Credit Card costs you

RBL Bank IRCTC Credit Card carries a ₹500 annual fee and a ₹500 one-time joining fee. The annual fee is waivable: Spend ₹1L/year.

FeeAmount
Annual fee (year 2+)₹500
Joining fee (one-time)₹500
Fee waiver conditionSpend ₹1L/year
Spend required for waiver₹1,00,000 / year
Foreign transaction fee (forex markup)Not disclosed / standard rates apply
Rewards & cashback

What you earn on every rupee spent

RBL Bank IRCTC Credit Card earns 1.00% on all eligible spends as a base reward rate, with accelerated rates on travel & flights and other bonus categories listed below.

CategoryReward rate
All other spends (base rate)1.00%
✈️ Travel & Flights5%
5%
Travel & Flights
Welcome bonus

350 reward points on first IRCTC booking

Reward types: Points

Benefits & perks

Beyond the reward rate

The non-reward benefits on RBL Bank IRCTC Credit Card are meaningful for frequent users. Here is what you get with the card.

🛫
Airport lounge access
Domestic lounges — 4 visits/year.
⛽
Fuel surcharge waiver
1% fuel surcharge waiver on petrol pump transactions (standard terms apply).
Eligibility

Who can apply for RBL Bank IRCTC Credit Card

RBL Bank IRCTC Credit Card requires a minimum net monthly income of ₹25,000 for salaried applicants. It is open to salaried employees and self-employed professionals.

₹25,000
Min monthly income
21–60
Age (years)
RequirementDetail
Minimum monthly income₹25,000
CIBIL scoreNot specified — clean history expected
Age range21–60 years
Employment typeSalaried, Self-employed
Typical approval time7–10 working days
Verdict

Who should (and shouldn't) get RBL Bank IRCTC Credit Card

✅ Best for
  • → Heavy spenders on travel & flights who want 5% back
  • → Frequent travelers who value airport lounge access
  • → Moderate spenders who can clear the fee waiver condition
⚠️ Not ideal for
    Frequently asked questions

    RBL Bank IRCTC Credit Card — Questions answered

    What is the annual fee for RBL Bank IRCTC Credit Card?
    The annual fee is ₹500 from year 2 onwards, with a one-time joining fee of ₹500. The fee is waivable: Spend ₹1L/year.
    What is the minimum income required for RBL Bank IRCTC Credit Card?
    Salaried applicants need a minimum net monthly income of ₹25,000. Self-employed applicants typically need equivalent annual income proof.
    What is the reward rate on RBL Bank IRCTC Credit Card for travel & flights?
    RBL Bank IRCTC Credit Card earns 5% on travel & flights with no monthly cap. On all other spends, the base reward rate is 1.00%.
    Does RBL Bank IRCTC Credit Card provide airport lounge access?
    Yes — RBL Bank IRCTC Credit Card includes domestic airport lounge access, with 4 complimentary visits per year.
    How do I get the annual fee waived on RBL Bank IRCTC Credit Card?
    The annual fee on RBL Bank IRCTC Credit Card is automatically waived when you meet the spend threshold: Spend ₹1L/year. You do not need to call the bank — the waiver is applied to the next billing cycle once the condition is met.
    How long does it take to get RBL Bank IRCTC Credit Card approved?
    Most applications for RBL Bank IRCTC Credit Card are processed within 7–10 working days. Pre-approved customers may receive instant digital approval. Physical card delivery typically takes 3–5 business days after approval.
    Not sure if this card suits you?

    Answer 7 questions about your income, spending, and goals — our engine scores every card against your exact situation and gives you one recommendation.

    Get My Personalised Verdict →
    Apply for RBL Bank IRCTC Credit Card →⊕ Compare with other cards

    Information on this page is gathered from public sources and the card issuer's official website. Fees and reward rates may change — verify the current terms on the issuer's website before applying. SingleVerdict may earn a referral fee if you apply through our links, which does not affect our scoring or editorial decisions.