IRCTC RBL Bank Credit Card for Frequent Train Travellers

Bio

Sandipan Mitra is the CEO and co-founder of Pice. He boasts eight years of experience in the B2B and fintech sector. Sandipan's journey includes significant roles at multiple Indian Unicorns Including Product at PayU, and as founding member / VP, Product at Open Financial Technologies.

27 Mar 26
7 mins

Sandipan Mitra

08 Mins
27-03-26

One App for all Business Payments

Download Now One App for all Business Payments

Table of Contents

RBL IRCTC Credit Card Benefits
Train Cancellation Protection with IRCTC RBL Bank Credit Card
How the IRCTC RBL Bank Credit Card Fetches 40X Value on Your Annual Fee?
IRCTC RBL Bank Credit Card Charges
How to Link Your IRCTC RBL Bank Credit Card Loyalty Number?

Earn 5 Reward Points per ₹200 on IRCTC train bookings.
Get 1% waiver on IRCTC ticket booking charges.
Enjoy 8 complimentary railway lounge visits yearly across India.
Receive ₹5,000 cancellation protection on eligible train tickets.
Earn 500 welcome Reward Points on spending ₹500 within 30 days.

Discover a smarter way to travel across India with the IRCTC RBL Bank Credit Card. This card rewards you on train bookings and everyday spends. It supports Tap & Transit and Scan & Pay for smooth payments on the go.

You also get a welcome benefit of 500 Reward Points. Just spend over ₹500 within 30 days of card issuance to qualify.

Designed for frequent travellers, this card makes every journey more rewarding and convenient.

RBL IRCTC Credit Card Benefits

Rewards on Train Bookings

Earn strong value every time you book tickets. Get 5 Reward Points for every ₹200 spent on train bookings through the IRCTC website or mobile app. You also enjoy an instant 1% waiver on IRCTC booking charges.

Travel Protection and Comfort

Plans can always change and the card offers ₹5,000 cancellation protection on eligible train bookings, which adds peace of mind to your journeys. You also get 8 complimentary railway lounge visits every year, split as 2 visits per quarter, at select stations across India.

Faster Payments with Smart Features

Daily travel becomes easier with modern payment options. Use Tap & Transit at supported metro and bus stations for quick entry and exits. For regular purchases, Scan & Pay lets you complete UPI payments instantly using your credit card.

Extra Rewards on Travel and FASTag

Earn 2 Reward Points for every ₹200 spent on flights, hotels and cruise bookings made through the IRCTC platform. FASTag recharges through RBL Bank digital channels, NCMC reloads or the UTS app earn 3 Reward Points per ₹200.

Rewards on Everyday Spends

Shopping, dining and entertainment also earn value. You get 1 Reward Point for every ₹200 spent on regular purchases. With promotional offers offering up to 40X benefits, the card delivers rewards well beyond rail travel.

Train Cancellation Protection with IRCTC RBL Bank Credit Card

The IRCTC RBL Bank Credit Card offers complimentary Train Cancellation Protection that applies when Indian Railways cancels a confirmed train within 24 hours of the scheduled departure.

When Does the Cover Apply?

This protection works only for confirmed or RAC tickets booked on the IRCTC website or app. The booking must use the primary IRCTC RBL Bank Credit Card and stay in the primary cardholder’s name. Claims apply only to domestic train journeys.

Claim Process

Use your registered email ID to raise the claim.
Attach all required documents in PDF format.
Include the cancelled train ticket and IRCTC cancellation emails.
Add your credit card statement showing the booking.
Share proof of alternate travel booked within 48 hours.
Submit the claim within 7 days after the alternate journey ends.

💡Keep your finances on track while you complete the claim steps above. Use the Pice App to link all your credit cards, get timely payment reminders and avoid late fees. The platform stays secure, GST-compliant and easy to manage in one place.

Must reads

A Detailed Guide for Yes Bank Marquee Credit Card

13 Jan 26
5 mins

All About Slice Credit Card Interest Rate & Other Charges in 2026

15 Jan 26
9 mins

How the IRCTC RBL Bank Credit Card Fetches 40X Value on Your Annual Fee?

Category	Estimated Yearly Expenses	Benefits
Train Ticket Bookings	₹2,30,400	₹5,760
Flight/Hotel/Cruise Ticket Booking	₹76,800	₹768
FASTag Rechargefrom RBL Bank Digital Channels/NCMCReload/UTS App	₹57,600	₹864
Other Online and Offline Expenses	₹19,200	₹96
Welcome Benefit	NA	₹500
Milestone Benefit	₹75,000(In a Calendar Quarter)	₹500
Complimentary Cover	NA	₹5,000
Railway Lounge Access	NA	₹4,800
Transaction Fee Waiver	NA	₹2,304

Therefore, your combined yearly savings can add up to ₹20,592, based on eligible card usage and benefits.

IRCTC RBL Bank Credit Card Charges

IRCTC RBL Bank Credit Card annual fee and joining fee are ₹500. Some of the other important charges levied on this card are:

Parameters	Charges
Add-on Card Fee	₹200
Finance Charges	Up to 3.99% p.m. or 47.88% p.a.
Cash Advance Fee	2.5% or min ₹500
Late Payment Fine	12.5% of outstanding amount (₹5–₹1,300)
Overlimit Fee	NIL

How to Link Your IRCTC RBL Bank Credit Card Loyalty Number?

Your RBL Bank IRCTC Credit Card carries an 11-digit loyalty number printed on the back. This number gets assigned after your card application receives approval.

You can link the loyalty number after paying the card membership fee. Ensure your email ID, mobile number and date of birth match the details on both IRCTC and the credit card.

Steps to Link with Your IRCTC Account

Visit the IRCTC website or Rail Connect app and log in with your IRCTC ID.
If you do not have an account, complete the IRCTC registration first.
Open the Loyalty Account tab and select ‘Add Loyalty Account’.
Enter the 11-digit loyalty number and request the OTP.
Enter the OTP sent to your registered mobile number and confirm.
Check your linked details under the Loyalty Account tab.

If linking fails due to a detail mismatch, contact IRCTC Customer Care at 14646 or 0755-6610661 / 0755-4090600 for assistance.

💡Linking your credit cards to the Pice App is equally easy! Once your cards are linked, you receive monthly credit card bill payment alerts. You can also pay those bills and track their status from the app itself. So, hurry up and download the Pice App today!

Footnotes

Each Reward Point carries a redemption value of ₹1, which lets you redeem points directly like cash on eligible transactions.
A nominal ₹2 card validation charge per lounge visit applies to confirm eligibility for complimentary IRCTC Executive Lounge access.
Rewards on online train tickets, FASTag recharges via RBL channels and flight, hotel or cruise bookings are limited to 1,000/month per category.
Reward Points remain valid for 2 years from the date they are credited, unless the bank notifies a revised validity period.
Reward redemption attracts a fee of ₹99 + applicable GST for each redemption request.

FAQs

What key conditions apply to the train cancellation claim?

Only 1 claim is allowed within a 6-month period. Approved reimbursements credit to your card within 7 working days after the second billing cycle. Local trains, general bookings and taxes remain excluded.

What facilities are included with IRCTC Executive Lounge access?

Each complimentary visit includes up to 2 hours of lounge stay, air-conditioned seating, washrooms, free Wi-Fi, charging points, newspapers and 1 buffet meal with unlimited tea and coffee.

How can I check my IRCTC RBL Bank Credit Card limit?

Your credit card limit appears in the welcome kit and monthly statements. You can also view it on the bank’s app or website, while available limit details show in statements and transaction alerts.

Who can apply for the IRCTC RBL Bank Credit Card?

Applicants between 21 and 70 years can apply for this card. Approval depends on the bank’s internal eligibility checks and policy norms.

When are the welcome reward points credited?

Welcome Reward Points are credited within 60 days of card issuance. You must complete one transaction within 30 days and ensure the membership fee reflects in your statement.

What should I do if my RBL Bank IRCTC Credit Card is lost or damaged?

If your card is lost or stolen, block it immediately using the RBL MyCard App or by visiting the nearest branch. You can also call RBL Bank Customer Care at 022 6232 7777 to report the issue and request a replacement card.

How can I track my RBL IRCTC Credit Card application status?

You can check your application status online through the bank’s tracking page. The status may show under processing, approved or declined or card boarded, depending on the stage of your application.