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RBLIRCTC RBL BankMastercard / RuPay

IRCTC RBL Bank Credit Card

RBL Bank · with IRCTC · Travel

Reviewed by Chandan Kumar Dash

5 reward points per ₹200 on IRCTC train bookings; 3 per ₹200 on FASTag recharge; 1 per ₹200 elsewhere.

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Joining fee

Free

Annual fee

₹500

Waiver spend

–

Forex markup

3.5%

Fee waiver

No spend-based waiver listed by the bank.

Work it out for this card

Offers on this card now

• Food
  Swiggy

  5% off up to ₹1,000 on Swiggy food orders

  Minimum order ₹1,000. Use code RBLCC1000. Valid 20 to 25 October.

  Ends 25 OctBank's terms

• Groceries
  Blinkit

  Flat ₹100 off on Blinkit

  Minimum order ₹1,199. Use code RBL100.

  Ends 31 OctBank's terms

• Groceries
  Zepto

  Flat 5% off up to ₹750 on Zepto

  Minimum order ₹5,000. Use code ZEPRBLHV.

  Ends 31 OctBank's terms

• Travel
  RredBus

  10% instant discount up to ₹500 on redBus

  Not valid on Saturdays and Sundays. Use code RBL500.

  Ends 31 OctBank's terms

7 more on the card offers page. Checked 18 Oct from the bank's own pages; read the bank's terms before you pay.

How the app counts rewards

• 5 points per ₹200 on IRCTC train bookings (2 per ₹200 on IRCTC flights and hotels; max 1,000 points a month)
• 3 points per ₹200 on FASTag and NCMC reloads (max 1,000 points a month)
• 1 point per ₹200 on other spends

No rewards on education, fuel, insurance, rent, utilities, wallet loads.

Points

Reward Points, worth about ₹1 each on the usual redemption. Expire after 2 years.

Work out what your points are worth

Who can apply

• Age 21 to 70

Published minimums. Approval is the bank's decision. See every card you qualify for.

Checked against the bank's terms. Banks change terms often, so check the latest terms before applying.

Taken from the bank's page. Rules data version 2026.10.06-0001.

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