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IRCTC RBL Bank Credit Card

IRCTC RBL Bank Credit Card is a co-branded travel card designed for frequent train travellers. It offers savings on IRCTC bookings, milestone reward points, and complimentary railway lounge access. With a low annual fee, the card suits users seeking everyday rewards along with rail travel benefits.

IRCTC RBL Bank Credit Card

About IRCTC RBL Bank Credit Card

The IRCTC RBL Bank Credit Card is a co-branded offering created for frequent railway passengers who book tickets through IRCTC. It provides enhanced savings on train reservations along with added travel-related conveniences, making rail journeys more rewarding. Cardholders can earn higher rewards on IRCTC spends, benefit from features like train cancellation cover, access to railway lounges, and waiver of transaction charges on train bookings.

What sets this card apart from some other IRCTC co-branded credit cards is that its benefits are not restricted only to railway ticket purchases. In addition to accelerated rewards on IRCTC transactions, users can also earn value-back on FASTag recharges and standard reward points on other everyday expenses. The reward points earned can be redeemed directly on the IRCTC platform at a 1:1 ratio, keeping the redemption process simple and convenient for regular train travellers.

Overall, the IRCTC RBL Bank Credit Card is suitable for those who frequently travel by train and want a credit card that offers both rail-focused perks and rewards on non-travel spends.

Note: This card is not available on Paisabazaar. The information shared here is for reference purposes only. To apply or know more, please visit the official RBL Bank website.

Rewards Program

  • Accelerated Rewards on Rail Bookings
    • Earn 5X reward points on train ticket purchases made via the IRCTC website or mobile app
    • Monthly cap of 1,000 reward points
  • Bonus Rewards on FASTag & Transit Recharges
    • Get 3X reward points on FASTag top-ups done through RBL Bank digital platforms, NCMC reloads, or the UTS app
    • Capped at 1,000 reward points per month
  • Travel Booking Benefits
    • Receive 2X reward points on flight and hotel reservations booked through the IRCTC portal or app
    • Monthly limit of 1,000 reward points
  • Base Reward Rate
    • Earn 1 reward point for every ₹200 spent on all other eligible transactions
  • Reward Value & Usage
    • 1 reward point equals ₹1 when redeemed for IRCTC bookings
    • Points can be used for train ticket bookings via the Pay by Points option on IRCTC or redeemed for products on the RBL Rewards catalogue

Other Features & Benefits

  • Welcome Bonus

    • Earn 500 reward points after spending more than ₹500 within the first 30 days from the card issue date

  • Spend-Based Rewards

    • Receive 500 bonus points on achieving quarterly spending of ₹75,000

  • Railway Lounge Privileges

    • Enjoy up to 8 complimentary visits annually to IRCTC Executive Lounges at select stations

    • Limited to 2 visits per quarter

  • Train Cancellation Protection

    • Get coverage of up to ₹5,000 for tickets cancelled by Indian Railways within 24 hours of the scheduled departure

  • Transaction Charge Reversal

    • Get a refund of 1% transaction fee, capped at ₹200 per month, on train ticket bookings up to ₹5,000

IRCTC RBL Bank Credit Card Reward Points & Cashback Calculator

Reward Points Calculator

IRCTC RBL Credit Card: Fees & Charges

Particulars Amount
Joining/Annual Fee Rs. 500 + Applicable Taxes
Finance Charges Up to 3.99% p.m. or up to 47.88% p.a.
Late Payment Charges 12.5% of total outstanding amount, subject to a min. of Rs. 5 and max. Rs. 1,300

Things to Know Before You Apply

This card is a good fit if:

  • You often travel by train and usually book tickets through the IRCTC website or mobile app

  • You are fine with using the reward points primarily for IRCTC-related bookings

  • You want reasonable savings on FASTag recharges and are comfortable with modest rewards on other everyday expenses such as shopping, dining, movies, and groceries

Steps to Close IRCTC RBL Bank Credit Card

If you want to close your IRCTC RBL Bank Credit Card, you can initiate the process through the official channels provided by RBL Bank for a smooth and secure closure.

Close via Online Request

Follow these steps to submit your credit card closure request:

  • Step 1: Start the Request
    Visit the official RBL Bank credit card portal and begin the closure process.
  • Step 2: Enter Registered Mobile Number
    Provide your registered 10-digit mobile number linked to your credit card account.
  • Step 3: Verify with OTP
    Enter the OTP received on your mobile number to confirm your identity.
  • Step 4: Select the Credit Card

  • If not registered: Enter the last four digits of your credit card

  • If you have multiple cards: Select the card you want to close

  • Step 5: Choose Closure Reason
    Select an appropriate reason for closing your credit card from the available options.
  • Step 6: Confirm the Request
    Complete the final verification by entering the OTP sent to your registered mobile number.
  • Step 7: Receive Confirmation
    Once submitted, you will receive a confirmation message indicating that your request has been successfully recorded.

Important Tips

  • Clear all outstanding dues before initiating the closure request

  • Redeem reward points, as they may expire after closure

  • Do not use the card after submitting the request

  • Keep the confirmation message or email for future reference

IRCTC RBL Bank Credit Card Helpline Number

If you need assistance regarding your IRCTC RBL Bank Credit Card, you can get in touch with the customer support team of RBL Bank for help with billing, payments, card services, and more.

Customer Care Numbers (India)

This number can be used for all credit card-related queries and support across India.

Support for Customers Abroad

This number can be used when you are travelling outside India.

Email Support

You can send your queries or requests from your registered email ID for faster processing.

Services Available

Customer care can assist you with:

  • Credit card billing and transaction-related queries

  • Payment and statement support

  • Reporting lost or stolen cards

  • Card blocking or replacement requests

  • Credit card closure or cancellation requests

Important Notes

  • Always use official RBL Bank contact details to avoid fraud

  • Keep your registered mobile number and card details ready for verification

  • Call charges may apply depending on your telecom operator

FAQs

Who is eligible to apply for the IRCTC RBL Bank Credit Card?

Individuals aged between 21 and 70 years can apply for this credit card. Final approval depends on RBL Bank’s internal eligibility norms and assessment criteria.

No, complimentary railway lounge entry is provided only to the primary cardholder. Guests can access the lounge by paying the applicable charges.

Reward points can be redeemed either through the RBL Rewards catalogue or directly on the IRCTC website or mobile application.

The reward points earned using the IRCTC RBL Bank Credit Card are valid for 24 months from the date they are credited to the account.