IRCTC RBL Bank Credit Card: Benefits & Apply

Table of Contents

Summary

All things considered, the carefully crafted credit card from the IRCTC RBL Bank fits mostly frequent train users. Launched in association with IRCTC and RBL Bank, it provides a broad spectrum of advantages on daily purchases, train ticket bookings, and lifestyle expenditures. This makes it a perfect choice not only for those who enjoy travel but also for people trying to cut more on daily costs.

The 1.8% transaction charge waiver on train ticket bookings through the IRCTC platform is, first of all, one of the main advantages of this card. Users also get pleasing reward points on every purchase, particularly more on IRCTC bookings. Discounts derived from these points help to offset even more expenses.

For individuals who drive as well, the card also provides a remission of a gasoline surcharge. For consumers seeking a reasonably priced credit solution, it offers pleasant features, yearly fee waiver choices, and simple EMI conversion, which adds tremendous value. Moreover, access to the RBL MyCard app and contactless payment capabilities simplifies use, promotes rapid, safe behavior.

Introduction

In the hectic modern world, having a credit card that offers both financial flexibility and lifestyle benefits is absolutely smart. Among such useful credit cards are the RBL Bank Credit Card from IRCTC. Those who enjoy routinely using trains and saving extra money on bookings might especially find this card useful. Introduced in association with RBL Bank, one of India’s respectable private sector banks, and IRCTC (Indian Railway Catering and Tourism Corporation), this credit card bears names that reflect its meaning. All things considered, they have created a card letting customers get points, save money on travel, and enjoy special offers.

First of all, the main focus of the IRCTC RBL Credit Card is largely on benefiting train passengers. If you often buy train tickets using the IRCTC website or app, this card can therefore become your perfect travel friend. By using this card, you can get outstanding cashback, reward points, and fuel surcharge exemptions, thereby reducing your daily and travel-related expenses on hand. It also makes tracking your expenses and more effective management of your monthly budget more effective.

The card thus provides benefits beyond train travel. Almost every purchase earns reward points, which you may then apply toward other deals. Whether your transaction is online, dining out, supermarket shopping, or utility bill payment, every swipe of this card provides something in return. This makes it a great choice not only for visitors but also for those looking for a value-for-money credit card for regular usage.

Moreover extremely easy is applying for the RBL Bank Credit Card for the IRCTC. Either apply online via the official RBL Bank or IRCTC websites, or visit a local RBL branch. Most of the time, the process is quick, simple, and paperless. Moreover, modern and handy is utilizing this card with contactless payments, EMI conversion, and simple account handling via a mobile app.

What is the IRCTC RBL Bank Credit Card?

A special credit card designed in collaboration with RBL Bank and Indian Railway Catering and Tourism Corporation is the IRCTC RBL Bank Credit Card. It is mostly intended for people who often ride by rail after buying with the IRCTC app or website. Among many things, this card’s users will benefit from savings on train tickets, reward points on purchases, and exemption from fuel fees.

Besides, this credit card is not limited to rail travel alone. You can use it for eating, shopping, bill payment, and other requirements, just like with any other credit card. Every time you use the card, points can be used for awards. Modern conveniences include instant internet access, and contactless payments also help to streamline use and management.

How is the design of the IRCTC RBL Bank Credit Card?

The IRCTC RBL Bank Credit Card has a professional and pleasing appearance. First of all, the card distinguishes your wallet with its elegant and modern appearance, combining RBL Bank branding with IRCTC. Usually displaying the IRCTC logo, which represents its affiliation to Indian Railways, the front side of the card also neatly prints the cardholder’s name and card number.

Furthermore, the card feels expensive because of its simple design with the clever color scheme. Additionally included is a contactless payment symbol, which lets you make quick and safe payments only by tapping the card on supported machines.

What are the benefits of the IRCTC RBL Bank Credit Card?

The main advantages of this card are broken out here in plain language:

1. Exclusive Booking Benefits for Train Tickets

The savings on train ticket bookings made using the IRCTC website or app are one of the main advantages of this card. You have:

On train ticket bookings, up to a 1.8% transaction fee waiver.

Every ticket booking earns reward points that can be used later.

For frequent train passengers, this makes the card the ideal fit.

2. Every Purchase earns Reward Points

Every swipe of your card counts as reward points:

One reward point for every ₹100 spent on consistent buying.

Up to five reward points for every ₹100 paid on IRCTC bookings.

Later on, these points can be utilized for coupons or discounts, thereby enabling you to save more overall.

3. Fuel Surcharge Waiver

At petrol outlets throughout India, the card provides a fuel surcharge remission. This implies:

You save more money when you refill your car.

The promotion runs for purchases between ₹500 and ₹4,000.

4. Welcome Discounts

After paying your registration fee and first using the IRCTC RBL Credit Card, you can obtain welcome gifts or bonus reward points.

5. Contactless payments

With contactless technology on the card, you may quickly and safely pay for minor purchases (up to a specific limit) without swiping or entering a PIN. This makes it perfect for hurried purchases at Metro stations or retailers.

6. Waiver Option for Annual Fees

Spending a specific amount in a year (as advised by RBL Bank) will allow the annual charge to be eliminated, so saving even more.

What are the fees for the IRCTC RBL Bank Credit Card?

Here is a simple breakdown of the IRCTC RBL Bank Credit Card fees.

Joining Fee	₹500 + GST
Annual Fee	₹500 + GST
Add-on Card Fee	No additional charges for family members’ cards.
Finance Charges	If you don’t pay your bill in full, a charge of 3.99% per month (47.88 % annually) is applied to the outstanding balance.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting an IRCTC RBL Bank Credit Card?

1. Age Requirement:

You should be between 18 and 65 years of age.

2. Income Requirement:

Salaried Applicants: A minimum net monthly income is required; however, the bank determines the specific amount, which may vary based on the applicant’s profile.

Self-Employed Applicants: A minimum ITR amount is required; the bank determines the specific amount and may vary depending on the applicant.

3. Employment Status:

You should have a regular job or business with a fixed income source.

4. Credit Score:

A CIBIL score of 700 and above is preferred for sanction.

5. Residency:

You should be an Indian resident and have proof of a valid address.

What documents are required to get an IRCTC RBL Bank Credit Card?

The documents that you will have to submit to get the IRCTC RBL Bank Credit Card are as follows:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months, if you are a salaried employeeBank statement for the previous 3 monthsITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the IRCTC RBL Bank Credit Card be used?

Here is the list of places where you can use it:

With the IRCTC RBL Bank Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

You can also use it on websites like Amazon and Flipkart, and make bookings on websites like MakeMyTrip and Yatra.

You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

You can use it to book flight, train, or bus tickets and pay for taxi, Uber, Ola, or hotel bookings.

You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

You can use your IRCTC RBL Bank Credit Card to pay for expensive electronics or appliances through easy monthly installments (EMIs).

The IRCTC RBL Bank Credit Card is also accepted in other countries, allowing you to make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the IRCTC RBL Bank Credit Card?

The credit amount you can spend is what you are provided with when you have an IRCTC RBL Bank Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another, or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit, then penalties get added, and your credit score also goes down.

How do you apply for an IRCTC RBL Bank Credit Card?

Apply it through both these modes:

Online Application Process:

Visit the official website of the RBL First Bank, i.e.

Go to ‘Cards’, followed by ‘Credit Cards’.

On that page, you can see numerous options for credit cards issued by RBL First Bank; for instance, you can choose the IRCTC RBL Bank Credit Card.

Just hover your cursor on the IRCTC RBL Bank Credit Card and select ‘Apply Now‘ from there.

You will be asked to fill out your details, including your name, contact information, income details, and employment status.

Be accurate and updated with the information provided.

You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

After filling out the details and uploading the documents, review your application to make sure everything is correct.

Apply online through the application form.

The bank will check your application after you submit it. They can ask for extra documents or information if required.

You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process:

You can walk into the nearest RBL First Bank branch to apply for the IRCTC RBL Bank Credit Card.

Request the credit card application form for the IRCTC RBL Bank Credit Card. They will provide you with the form and proceed accordingly.

Fill in the details in the application form wherever it is required. Care should be taken to ensure that all the information about personal details, income, and jobs provided by the applicant is correct.

Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport photograph.

Your application will be processed, and your information will be cross-checked at the bank level.

In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

You will receive the IRCTC RBL Bank Credit Card by post at the same postal address.

Once you receive your card, you need to activate it by following the instructions in the envelope through the RBL First Bank Card website, mobile app, or customer service.

For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.

Would getting an IRCTC RBL Bank Credit Card in 2025 be the right choice?

Obtaining the IRCTC RBL Bank Credit Card in 2025 can be a good option if you require a credit card with excellent offers, especially for those who shop for lifestyle products. The reward is amazing and comes with purchasing items such as jewelry. The bank also provides discounts and easy access to the EMI facility.

RBL First Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should ensure you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a perfect option in 2025.

Conclusion

In the end, the IRCTC RBL Bank Credit Card is a smart and useful financial tool, especially for those who travel often by train and want to optimize additional ticket savings. Not only convenience with its wide range of benefits, including reward points on every expenditure, discounts on IRCTC train ticket purchases, fuel surcharge waiver, and quick EMI conversion possibilities, but also true value in daily life, this card offers.

Moreover meant for regular consumers who want to maximize their shopping, dining, and energy bill payments, as well as for vacation enthusiasts is the card. Its simple registration system, contactless payment systems, and user-friendly mobile app enable you to better and more orderly control your expenses.

Another great point to consider is that, utilized responsibly, this card helps you build a good credit score. Apart from enjoying savings and bonuses, you are thus improving your financial future.