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RBL Bank
Points that pay for train tickets, plus railway lounge access, on a Rs. 500 card.
One-time
Per year
Uncapped rewards
Score 700+
Applying takes you to RBL Bank. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms structured from published copy
4 reward rates with their caps, taken from RBL Bank’s own published wording rather than checked against its terms document. Verify before you rely on a figure.
See where each figure came fromTravel
Shares the card's ₹20 a month ceiling
Flights
Shares the card's ₹20 a month ceiling
Online shopping
Shares the card's ₹20 a month ceiling
Everything else
Shares the card's ₹20 a month ceiling
These rates share one ceiling: ₹20 a month across the card, not per category.
Fuel transactions All exclusions
Data-driven verdict based on net earnings after fees and caps.
Key strength
5% on Travel — 5 Reward Points per ₹200 spent on train ticket bookings of all classes via the IRCTC website or mobile app, with no stated cap.
Biggest limitation
Reward Points redeem only against train ticket fare on IRCTC. They cannot be taken as cashback or statement credit.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
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Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
5 pts
uncappedTravel
5 Reward Points per ₹200 spent on train ticket bookings of all classes via the IRCTC website or mobile app
2 pts
uncappedFlights
2 Reward Points per ₹200 spent on flight and hotel bookings via the IRCTC website or app
1 pts
uncappedOnline shopping
1 Reward Point per ₹200 on other eligible online spends
1 pts
uncappedEverything else
1 Reward Point per ₹200 on other eligible offline spends
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | ₹500 | — |
| Annual / renewal fee | ₹500 | Rs. 500 + GST membership fee. The joining and annual fee are the same amount, and no spend-based waiver is published. |
| Add-on card | Not published by RBL Bank in the summary for this card. Check the card's schedule of charges. | — |
| Cash withdrawal | Not published by RBL Bank in the summary for this card. Check the card's schedule of charges. | — |
| Late payment | Not published by RBL Bank in the summary for this card. Check the card's schedule of charges. | — |
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
Rewards only
no welcome value is recorded
Every year after
₹500 a year
charged with no published way to avoid it
1% waiver. 1% fuel surcharge waiver. RBL Bank publishes no transaction range or per-cycle cap for this card.
Linkable to UPI. IRCTC RBL Bank Credit Card is a co-branded travel and transit credit card offering 5 Reward Points per ₹200 on IRCTC train ticket bookings, 3 Reward Points per ₹200 on FASTag recharge, 2 Reward Points per ₹200 on IRCTC flight/hotel bookings, 8 complimentary railway lounge visits a year, ₹5,000 train cancellation protection, and a transaction charge waiver — issued on the RuPay network with NCMC (Tap & Transit) and UPI (Scan & Pay) support, at a low ₹500 annual fee.
We do not have insurance & protection recorded for this card. Check the issuer's page before relying on it.
We do not have welcome or milestone benefits recorded for this card. Check the issuer's page before relying on it.
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
CredSpy never collects these. You submit them to the issuer during their own application.
No reviews yet
CredSpy publishes only reviews left by real cardholders. Nothing here is generated, bought or seeded — so this stays empty until someone who holds the card writes one.
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RBL BankIndianOil RBL Bank XTRA Credit Card₹1,770
RBL BankRBL Bank Platinum Maxima Credit Card₹2,360| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| IRCTC RBL Bank Credit Card · this card | ₹500 | 5% travel | Included |
| RBL Bank SalarySe UP Credit Card | ₹589 | See card | No |
| IndianOil RBL Bank Credit Card | ₹590 | Up to 6% rewards | No |
| RBL Bank NOVA Credit Card | ₹14,750 | Up to 12 reward points per ₹200 | Included |
| RBL Bank Shoprite Credit Card | ₹590 | Up to 20 reward points per ₹100 | No |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
₹500 plus GST, with no published spend-based waiver.
The strongest published rate is 5% on travel, with no stated cap. The calculator above prices your own basket with every cap and exclusion applied.
Yes. Complimentary railway lounge visits at participating stations. This is RAILWAY lounge access, not airport lounge access.
Yes. IRCTC RBL Bank Credit Card is a co-branded travel and transit credit card offering 5 Reward Points per ₹200 on IRCTC train ticket bookings, 3 Reward Points per ₹200 on FASTag recharge, 2 Reward Points per ₹200 on IRCTC flight/hotel bookings, 8 complimentary railway lounge visits a year, ₹5,000 train cancellation protection, and a transaction charge waiver — issued on the RuPay network with NCMC (Tap & Transit) and UPI (Scan & Pay) support, at a low ₹500 annual fee.
Fuel transactions Rent payments Wallet loads Cash advances and ATM withdrawals EMI transactions No rewards on fuel transactions, rent payments, wallet loads, cash advances and atm withdrawals, emi transactions. Purchases under the following categories are excluded from Reward Points and quarterly milestone benefits: Fuel & Auto, Utilities, Insurance, Quasi-Cash, Real Estate/Rental, Education, Wallets/Service Providers, Government Services, Contracted Services, Cash, Miscellaneous, Bills2Pay, and EMI conversion of retail transactions (Split-N-Pay/EMI at POS/Web/App), plus fees, charges and GST
Redeemed against train ticket fare on irctc.co.in and the IRCTC app
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
Rs. 500 + GST membership fee. The joining and annual fee are the same amount, and no spend-based waiver is published.
Read this first
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
