IRCTC collaborates with banks such as SBI, BoB, HDFC, and RBL to provide co-branded credit cards that offer rewards on train bookings, lounge access, and fee waivers…
1/9Frequent travellers will now enjoy added perks while booking train tickets. In collaboration with banks and card providers, IRCTC presents co-branded credit cards that let customers earn reward points on train bookings, redeemable for future ticket purchases. (Image source: AI generated)
2/9These credit cards blend standard features with travel-oriented advantages like ticket booking rewards, fee waivers, and access to railway lounges. IRCTC has partnered with SBI Cards, Bank of Baroda, HDFC Bank, and RBL Bank for co-branded cards. (Image source: AI generated)
3/9IRCTC RBL Bank Credit Card | This card is tailored for consistent IRCTC users, rewarding them for spending in railway and travel sectors. It includes a joining and renewal fee of ₹500, offering 500 reward points upon activation. Users earn five points for every ₹200 spent on the IRCTC website and the Rail Connect app. The card also yields rewards for FASTag recharge, NCMC reloading, UTS transactions, and IRCTC flight, hotel, and cruise bookings. It provides a 1% transaction fee waiver on IRCTC bookings and allows up to eight complimentary visits to selected IRCTC Executive Lounges per year, along with train cancellation protection of up to ₹5,000. (Image source: IRCTC website)
4/9IRCTC SBI Card | This card is tailored for passengers seeking straightforward railway benefits. It has a joining fee of ₹500 and yearly renewal of ₹300. Users earn 350 bonus points upon activation, earning up to 10 points for every ₹100 spent on IRCTC ticket purchases and another point for every ₹125 spent on other transactions. The card provides a 1% fee waiver on IRCTC bookings and four complimentary lounge visits annually. The benefits are also available on the RuPay variant of the IRCTC SBI Card. (Image source: IRCTC website)
5/9IRCTC SBI Card Premier | For those seeking premium advantages, this card offers enhanced rewards in travel categories. It features a joining fee of ₹1,499, accompanied by 1,500 bonus points as a welcome offer. Users earn 10 points for each ₹100 spent on IRCTC bookings and five points per ₹100 on air travel and e-catering. The card rewards dining and utility payments as well and offers a 1% fee waiver on rail and air bookings. Premium holders also benefit from eight complimentary lounge visits annually, with a maximum limit of two visits quarterly. (Image source: IRCTC website)
6/9IRCTC Bank of Baroda Card | This card is crafted to reward spending on railway tickets. It has a joining fee of ₹500 and a renewal fee of ₹350, providing new users with 500 bonus points. Cardholders can earn up to 40 BOBCARD points for every ₹100 spent on IRCTC ticket bookings, in addition to earning points on other expenditures as well. It also presents a 1% fee waiver on IRCTC bookings and grants up to four complimentary railway lounge visits per year. (Image source: IRCTC website)
7/9IRCTC HDFC Bank Card | This credit card is tailored for regular train travellers with a clear rewards system. It comes with a joining fee of ₹500 and includes a ₹500 welcome gift voucher. Users earn five reward points for each ₹100 spent on IRCTC ticket bookings and one point for every ₹100 spent elsewhere. Additionally, the card offers a 1% transaction fee waiver on IRCTC bookings and allows for up to eight complimentary visits to select IRCTC lounges each year. (Image source: IRCTC website)
8/9Choosing the Right IRCTC Card? The choice of card should be based on personal travel frequency and expenditure on railway bookings. Regular IRCTC users might benefit from cards offering larger rewards on ticket purchases, while infrequent travellers may lean towards options with lesser fees and valuable travel perks. Before making a decision, potential cardholders should assess joining and renewal charges, reward redemption policies, lounge access conditions, and more. (Image source: AI generated)
9/9For regular train users, these co-branded credit cards can enhance daily journeys by converting ticket expenses into rewards. Nonetheless, these advantages are maximized when the card is used judiciously and monthly dues are settled punctually. (Image source: AI generated)
