RBL Bank IRCTC Credit Card
RBL Bank
₹500
Joining fee
₹500
Annual fee
3.5%
Forex markup
4.5 / 5
Rating
Eligibility
Estimated minimum income: ₹20,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 650+
Estimated — not officially confirmed by the bank.
Age: 21–70
Income/CIBIL not explicitly stated by either source; approval described only as 'subject to card provider's internal policies' (aggregator-sourced).
Lounge access
0 domestic / 0 international / 8 railway visits per year
Access is to the IRCTC Executive Railway Lounge, not an airport lounge.
Note: This card's lounge benefit is RAILWAY lounge access only, not airport lounge access — do not conflate the two.
Domestic Airport: not offered
International Airport: not offered
Reward details
1 reward point per Rs 200 on other/all other purchases
- 5 reward points per Rs 200 on Train ticket bookings via IRCTC website/app — Rs 1,000/month worth of points (aggregator)
- 3 reward points per Rs 200 on FASTag/NCMC recharge — Rs 1,000/month (aggregator)
- 2 reward points per Rs 200 on Flights & hotels booked via IRCTC — Rs 1,000/month (aggregator)
Welcome bonus: 500 reward points on spend of Rs 500+ within 30 days of card issuance
Redemption
Redeemable ONLY against IRCTC bookings (train tickets etc.) — not a general-purpose redemption.
Ratio: 1 Reward Point = Rs 1
Excluded from rewards: fuel, utilities, insurance, quasi-cash, real estate, education, wallet loads, government services, contracted services, cash transactions, miscellaneous spends, EMI conversions
- Rs 5,000 train ticket cancellation protection cover; 1% IRCTC transaction fee reversal (capped at Rs 200); RuPay variant supports NCMC (Tap & Transit) and UPI payments.
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- Strong rewards on train bookings; railway lounge access valued by frequent train travelers — Paisabazaar
Complaints
- Redemption is restricted only to IRCTC bookings, limiting flexibility; base reward rate on everyday/other spends is low (effectively 0.5%) — Paisabazaar
Sources
- Official — fees, railway lounge, rewards, exclusions
- Aggregator — eligibility, railway lounge, sentiment