Complete review of the IRCTC RBL Bank Credit Card: annual fee, rewards, lounge access, credit limit, charges, eligibility, and key benefits. Find out if this IRCTC Credit Card is worth applying for in 2024.
IRCTC RBL Bank Credit Card Review: Benefits, Lounge Access, Annual Fee & Credit Limit (2024 Guide)
The IRCTC RBL Bank Credit Card is one of the most popular railway credit cards in India, designed especially for passengers who frequently book tickets through IRCTC. With strong railway rewards, lounge access, and low fees, the IRCTC Credit Card can help you save significantly on train bookings and travel expenses. Here is a complete breakdown of the RBL IRCTC Credit Card benefits, charges, rewards, credit limit, and eligibility.
IRCTC RBL Bank Credit Card Annual Fee & Charges
Joining & Annual Fee
- Joining Fee: ₹500 + GST
- IRCTC RBL Bank Credit Card annual fee (2nd year onwards): ₹500 + GST
Annual Fee Waiver
Currently, the card does not offer an annual fee waiver based on spending. The standard annual fee applies every year.
Other Important Charges
- Cash Withdrawal Fee: 2.5% of withdrawal
- Interest for Late Payment: 3.99% per month
- Forex Markup Fee: 3.5% on international transactions
To avoid extra charges, always clear your bill before the due date.
IRCTC RBL Bank Credit Card Limit
The IRCTC RBL Bank Credit Card limit depends on:
- Your credit score
- Income
- Existing credit history
- Banking relationship with RBL
Most users receive a limit between ₹25,000 to ₹2,00,000, and it can be increased later based on usage and repayment history.
Welcome Benefit
You get:
- 500 Reward Points for making a transaction of ₹500 or more within 30 days of card issuance.
This makes the starting value of the card very strong.
RBL IRCTC Credit Card Benefits: Reward Points Structure
This card offers excellent reward rates across IRCTC platforms:
1. IRCTC Train Ticket Booking
- 5 Reward Points per ₹200 spent on IRCTC website/app
2. FASTag / NCMC / UTS Recharge
- 3 Reward Points per ₹200 spent
3. IRCTC Flight, Hotel & Cruise Booking
- 2 Reward Points per ₹200 spent
4. All Other Spending
- 1 Reward Point per ₹200 spent
No Rewards On:
- Rent payment
- Wallet loading
- Insurance
- Fuel
- EMI transactions
These categories are excluded from rewards.
Complimentary Railway Lounge Access
One of the biggest highlights of the IRCTC Credit Card is the free Railway Lounge Access.
Lounge Benefits Include:
- Free meals (breakfast/lunch/dinner)
- Free tea/coffee
- AC seating & resting area
- Wi-Fi
- Comfortable waiting space
Usage Limit
- 2 complimentary visits every quarter
- 8 visits per year
For train travellers, this feature alone provides massive yearly value.
1% Transaction Charge Waiver on IRCTC
When booking train tickets through IRCTC using this credit card:
- 1% transaction charge is waived on bookings up to ₹500
- Maximum savings: ₹200 per month
- Yearly savings: Up to ₹2400
A great benefit for regular train bookings.
UPI Payments Supported
You can link the card for UPI transactions via:
- Google Pay
- PhonePe
- Paytm
This makes everyday spending simpler and more convenient.
Eligibility & Documents Required
To apply for the IRCTC RBL Bank Credit Card, you need:
- PAN Card
- Identity Proof (Aadhaar / Passport / Voter ID)
- Address Proof
Approval chances are high if you have good credit history and stable income.
Final Verdict: Should You Get the IRCTC RBL Bank Credit Card?
The IRCTC RBL Bank Credit Card is a strong choice for:
- Frequent train travellers
- IRCTC ticket bookers
- People who want railway lounge access
- Users looking for a low-cost credit card with consistent rewards
With good reward rates, free lounge access, and a low annual fee, the card delivers high value for Indian railway users. This makes it one of the best railway-focused credit cards in India.