IRCTC RBL Bank Credit Card

Annual fee₹500

RewardsEarn 1 Reward Point per INR 200 spent everywhere from the things you love!

Forex markup3.5%

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Welcome benefits

worth ₹500

500 Reward Points on shopping above ₹500 within first 30 days

Type: Reward Points
Trigger: Spend ₹500 within 30 days

Rewards

Base earn rate

Earn 1 Reward Point per ₹200 spent everywhere from the things you love!

Excludes: Fuel Auto, Utilities, Insurance, Quasi Cash, Real Estate Rental, Education, Wallets, Government Services, Contracted Services, Cash, Miscellaneous, Bills2pay, Emi

Category	Rate	Cap
IRCTC Train Ticket Booking	—	—
FASTag Recharge/NCMC Reload/UTS App	—	—
Flights And Hotels On IRCTC	—	—

Lounge access

Domestic

8visits / year

International

Not included

Railway lounge access — Included

Travel in comfort - Relax before your journeys with 8 complimentary (2 visits per quarter) lounge access at railway stations. Click here to view list of lounges.

Fees & charges

Joining fee: ₹500 + GST
Annual / renewal fee: ₹500 + GST
Add-on card fee: ₹200
Interest rate: 3.99% per month (47.88% p.a.)
Interest-free period: 50 days
Cash advance fee: 2.5%, min ₹500
Overlimit fee: 0%
Payment dishonour: ₹500
Forex markup: 3.50%
Reward redemption: ₹0 per redemption
Fuel surcharge: 1% waiver, max ₹3,000/cycle

Late payment

12.5% of Total Outstanding Amount, ranges ₹5 – ₹1,300

Insurance covers

Travel insurance

₹5,000

Features

✓ Contactless✓ UPI linkage

Additional features

Tap & Go contactless payment
IRCTC transaction fee reversal (1% up to INR 200, max transaction INR 5,000)
NCMC (National Common Mobility Card) functionality for metro/bus
UPI linkage for scan and pay
Railway lounge access (8 complimentary visits per year, 2 per quarter)
Train cancellation protection (INR 5,000)

No rewards on

Fuel & Auto (0032,2541,4001,5542,5541,5172) · Utilities (4900) · Insurance (6300,6310) · Quasi-Cash (6050, 6051, 4829) · Real Estate/Rental (6513) · Education (8220,8244, 8249, 8211, 8241, 8299) · Wallet/Service Providers (6540) · Government Services (9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 9311, 9223) · Contracted Services (1711, 1740, 0763, 1520, 0742, 1761, 1799, 1750, 1731, 1771, 0780) · Cash (6011, 6010) · Miscellaneous (5960) · Bills2Pay · EMI Conversion Of Retail Transactions (Split-N-Pay & EMI Conversion Requests Placed At The Time Of Making Transactions At POS/Web/Mobile App) · Fees, Charges & GST

Card management via RBL MyCard App/RBL MyBank App.