RBL Bank IRCTC RBL Bank credit card
RBL Bank× IRCTCRuPay · UPITravel

IRCTC RBL Bank credit card

8 points per ₹100 on IRCTC tickets, 1% surcharge waiver, 8 railway lounges.

27
Personal score27/100● Weak fit
Recurring net savings₹1,308/yrafter fee, GST and caps · bills paid in full
First-year value₹968incl. ₹250 welcome, ₹590 joining fee
Effective savings rate0.3%on ₹3,87,600 card spend · 6% = full marks
Annual fee (incl. GST)Waived ₹590waiver at ₹1,00,000 spend
Lounge access✈ noneyou can use 0 of your visits
PersonaliseOfficial page ↗

Source: RBL Bank – IRCTC RBL Bank product page · last reviewed 2026-09-12

Standard profile
Scored for Typical Indian cardholder · ₹32k/monthBills paid in full · first-year offers shown separately · set up your profile to score cards for your own spend

Why it fits – and what to watch

hover any tile for the detail
₹580/yrBase rate 0.25% on other spends
Waived₹590 fee
0/2lounge visits covered
1/1lifestyle perks matched
₹36,000earns nothing (fuel)

! No usable lounge access although you asked for it.

Where the money comes from

₹1,308/yr · 0.3%
Base rate 0.25% on other spendson ₹2,31,840₹580
8 points/₹100 on IRCTC (commute assumed…on ₹10,800₹216
1 point/₹100 on UPIon ₹60,960₹152
Excluded categories (no rewards)on ₹84,000₹0
Fuel surcharge waiver₹360
How ₹1,308/yr is calculated
IRCTC RBL Bank
+ Reward value on your spendat ₹0.25/Reward Points realistic value
₹948
+ Fuel surcharge waiver1% up to ₹250/month
₹360
+ Annual fee incl. 18% GSTwaived – ₹590 at ₹1,00,000 spend
₹0
= Recurring net savings
₹1,308/yr
÷ card spend counted UPI-only rupees excluded on non-RuPay cards
₹3,87,600
= Effective savings rate
0.3%

How the score of 27 is built

weights total 100% · methodology
Net savings rate7/100 × 55%3.8
Usable lounge access0/100 × 15%0.0
Redemption flexibility40/100 × 10%4.0
Lifestyle fit100/100 × 10%10.0
Simplicity80/100 × 5%4.0
Fee safety100/100 × 5%5.0

Airport lounges with this card

This card has no complimentary lounge access. Find cards that get you in →

Card facts

💳 Base earn0.25%value on eligible spend
⚡ Accelerated2% 8 points/₹100 on IRCTC 1 point/₹100 on UPI
🚫 No rewards onfuelrentutilitiesinsuranceeducation
🏷️ Fees₹590/yr incl. GSTwaived on ₹1,00,000 spend · joining ₹500
🎁 Welcome (year 1)≈ ₹2501,000 points on activation
🏁 Milestonesnone
✈️ Lounge✈0 dom🌏0 intlNone
🌏 Forex markup3.5%+ GST on the markup
🔁 Redemption₹0.25/Reward Points ★★☆☆☆1 point = ₹0.25 on the catalogue.
🧩 Simplicity★★★★☆set and forget
🎯 Lifestylefuel waiver
🪪 EligibilityIncome ₹3L+/yr

At a glance

  • Railway lounges
  • UPI
  • Low outside IRCTC

Compare IRCTC RBL Bank with

Community Q&A on the IRCTC RBL Bank

Threaded questions from cardholders · the Advisor can add a computed answer.

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Frequently asked questions

What is the annual fee of the IRCTC RBL Bank?

Joining fee ₹500 and renewal fee ₹500, plus 18% GST (₹590 a year). The renewal fee is waived if you spend ₹1,00,000 in the card year.

Does the IRCTC RBL Bank give airport lounge access?

No lounge access. None.

How much can I save with the IRCTC RBL Bank?

For our example profile (Typical Indian cardholder (₹32k/month)) the recurring net saving is ₹1,308 a year, an effective savings rate of 0.3% after the fee. Use Find My Card to see your own number – it depends on where you spend and which caps you hit.

What are the IRCTC RBL Bank's reward exclusions and caps?

No rewards on fuel, rent, utilities, insurance, education. No monthly caps on the main earn rates.

Sources

Reviewed 2026-09-12. Point values are our realistic estimates – see methodology. Also: IRCTC RBL Bank lounge access by airport · all RBL Bank cards · change log.