IRCTC RBL Bank
RBL Bank · Checked 2026-10-09
IRCTC RBL Bank is a paid card focused on travel benefits and reward points, charging ₹500 annually before GST.
CardIQ editorial view
Our take
IRCTC RBL Bank is a paid card focused on travel benefits and reward points, charging ₹500 annually before GST.
Who it suits
- People who prioritise travel benefits.
- People who prioritise reward points.
- People whose normal usage can recover the annual fee through relevant benefits.
Key strengths
- 5 points per ₹200 on IRCTC train bookings; 2 on IRCTC flights/hotels; 1 on other eligible purchases.
Trade-offs to understand
- 1 point = ₹1 on eligible IRCTC train-ticket redemption.
- 3 points per ₹200 on eligible FASTag, NCMC reload and UTS payments.
- The ₹500 annual fee plus GST needs to be justified by benefits you will actually use.
CardIQ verdict
It deserves a place on the shortlist when your normal spending makes 5 points per ₹200 on irctc train bookings; 2 on irctc flights/hotels; 1 on other eligible purchases valuable enough to clear the fee. Factor in this condition: 1 point = ₹1 on eligible IRCTC train-ticket redemption.
Compare before deciding
- IRCTC HDFC Bank Credit Card — A similarly priced alternative for comparing reward points and travel benefits.
- IRCTC SBI Platinum Card — A similarly priced alternative for comparing reward points and travel benefits.
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Benefits, limits and conditions
- 1 point = ₹1 on eligible IRCTC train-ticket redemption.
- 3 points per ₹200 on eligible FASTag, NCMC reload and UTS payments.