RBL Bank has launched the IRCTC RuPay Credit Card, a specialized offering for those who frequently travel by train and want to maximize their rewards and benefits.
With this credit card, RBL Bank aims to enhance the travel experience of its customers by offering generous reward points, travel perks, and exclusive benefits tailored for Indian Railways travellers.
In this article, I have shared the details of the IRCTC RuPay Credit Card, including fees, rewards, and other benefits.
RBL Bank IRCTC RuPay Credit Card (Best for Frequent Travelers)
Key Features and Benefits
The RBL Bank IRCTC RuPay Credit Card comes loaded with features that cater specifically to the needs of frequent train travellers.
Below are the key benefits that make this card a valuable addition to your wallet.
Welcome Benefit in RBL IRCTC Rupay Card
As a new cardholder, you can enjoy a Welcome Benefit of up to 500 reward points.
To qualify, simply make your first transaction of a minimum of ₹500 within 30 days of receiving your card.
The reward points will be credited to your account within 60 days from the date of card issuance.
Reward Benefits in RBL IRCTC Card
The RBL Bank IRCTC RuPay Credit Card offers an attractive reward points structure, It allows you to earn points on various types of transactions.
5 Reward Points for Train Ticket Booking: Earn 5 reward points for every ₹200 spent on booking train tickets for all classes through the IRCTC website or the IRCTC mobile app.
This feature makes the card especially rewarding for regular train travellers.
3 Reward Points on FASTag and Other Services: Receive 3 reward points for every ₹200 spent on FASTag recharge via RBL Bank digital channels, NCMC reloads, or the UTS app.
2 Reward Points on Flights, Hotels, and Cruises: Earn 2 reward points for every ₹200 spent on flight, hotel, or cruise bookings made through the IRCTC website or mobile app, giving you added value on your travel expenditures.
1 Reward Point on All Other Spends: For all other transactions outside the accelerated categories, you’ll earn 1 reward point per ₹200 spent.
Accelerated Reward Points
The accelerated reward points come with a cap of 1,000 points per month per category.
This cap is defined by the card’s billing cycle, and the base reward points are credited instantly, while additional points are posted at the end of the statement cycle.
Credit Card on UPI
The IRCTC RuPay Credit Card is UPI-enabled, offering you the convenience of making payments through UPI while earning reward points.
However, offline UPI transactions under ₹2,000 made at small merchants (with a turnover of not more than ₹20 lakh in the previous financial year) will not earn reward points, voucher benefits, milestone benefits, or any other product benefits unless otherwise specified.
Milestone Rewards
Cardholders can earn additional rewards through the Milestone Program:
500 Reward Points on Quarterly Spends: If you spend ₹75,000 in a calendar quarter (excluding wallet, cash, rental, utilities, fuel, and insurance transactions), you’ll earn an additional 500 reward points.
This applies to both primary and add-on cardholders.
Train Cancellation Shield
The IRCTC RuPay Credit Card offers a Train Cancellation Shield, which provides complimentary insurance coverage for train ticket cancellations. This coverage is provided on an ex gratia basis by RBL Bank through an external insurance provider.
Conditions for Coverage:
The train ticket must be booked using the IRCTC RuPay Credit Card.
Only tickets booked in the cardholder’s name are eligible for the claim.
Cancellation must be made for confirmed bookings (including RAC) within 24 hours of the scheduled departure time.
The claim must be raised within 7 days of the alternate journey completion.
Only one claim is allowed every six months, with a maximum of three attempts to raise a claim request within this period.
Waiver of Transaction Charges
One of the standout features of the IRCTC RuPay Credit Card is the Waiver of 1% Transaction Charges on train ticket bookings through IRCTC.
This waiver applies to transactions up to ₹5,000, with a maximum waiver capped at ₹200 per month.
Note that if you cancel your train ticket, the waiver on the refund amount will be reversed.
RBL IRCTC Railway Lounges Benefit
Cardholders are eligible for Complimentary Access to Railway Lounges, enhancing their travel experience with additional comfort and convenience.
2 Complimentary Lounge Visits Per Quarter: Cardholders can enjoy two complimentary visits per quarter at select railway lounges across India. Only the primary cardholder is eligible for this benefit.
Access to IRCTC Executive Lounges: Access to these lounges is subject to availability and the rules of individual lounges.
To avail of the benefit, cardholders must present a valid, unexpired credit card along with a valid train ticket.
Lounge benefits typically include a 2-hour stay, buffet meals, tea/coffee, access to changing rooms, newspapers, magazines, and more.
National Common Mobility Card (NCMC) Functionality
The IRCTC RuPay Credit Card also supports NCMC functionality, allowing you to use it as a National Common Mobility Card.
This feature is particularly useful for payments at select petrol pumps, buses, and parking lots. However, availability is limited to specific locations.
Conclusion
The RBL Bank IRCTC RuPay Credit Card is an ideal choice for frequent train travellers and those looking for a credit card with travel-centric benefits.
With its robust rewards program, complimentary railway lounge access, and train cancellation insurance, this card offers significant value to its users.
Whether you’re booking train tickets, recharging FASTag, or making hotel reservations, this card ensures you get rewarded for your spending.
Frequently Asked Questions (FAQs)
What is the welcome benefit of the IRCTC RuPay Credit Card?
New cardholders can earn up to 500 reward points as a welcome benefit after making a transaction of at least ₹500 within 30 days of card issuance.
How do I earn reward points with the IRCTC RuPay Credit Card?
You can earn 5 reward points per ₹200 on train ticket bookings, 3 reward points on FASTag recharges, 2 reward points on flights, hotels, and cruises, and 1 reward point on all other transactions.
What is the Train Cancellation Shield?
The Train Cancellation Shield is a complimentary insurance coverage provided by RBL Bank for train ticket cancellations made within 24 hours of the scheduled departure time. Certain conditions apply.
Is there a cap on earning reward points?
Yes, accelerated reward points are capped at 1,000 points per category per billing cycle.
What are the benefits of the complimentary railway lounge access?
Cardholders can enjoy two complimentary visits per quarter to select railway lounges, which include facilities like buffet meals, tea/coffee, and more.
How does the 1% transaction charge waiver work?
The card offers a 1% waiver on transaction charges for train ticket bookings up to ₹5,000, with a maximum waiver of ₹200 per month.
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