IRCTC RBL Bank Credit Card

Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in travel. It's worth the annual fee mainly if your points value clears it.

• Rewards rate: 0.5% base rate
• Domestic lounge access: No airport lounge access; up to 8 complimentary visits/year to IRCTC Executive Lounges at select railway stations (max 2/quarter)
• International lounge access: Not offered
• Golf: Not offered
• Insurance benefits: Train cancellation protection cover up to ₹5,000 for trains cancelled by Indian Railways within 24 hours of scheduled departure

• ✈️ Travel

  2.5% reward rate (capped ₹250/monthly) · Up to 8 IRCTC Executive Lounge visits/year at select railway stations (max 2/quarter)

• 🛡️ Insurance

  Train cancellation protection cover up to ₹5,000 for trains cancelled by Railways within 24 hours of departure

• 🌍 Forex / international spend

  3.5% forex markup on international transactions

• Minimum credit score: 700
• Minimum monthly income: ₹20,000
• Employment: salaried, self-employed
• Age: 21–60

• Rewards redemption fee: ₹99 + GST per redemption request
• Foreign currency markup: 3.5%
• Interest rate: 47.88% p.a.
• Cash advance charges: 2.5% of the amount withdrawn, subject to a minimum of ₹500 per transaction

• Up to 8 IRCTC Executive Lounge visits/year at select railway stations (max 2/quarter)
• Train cancellation protection cover up to ₹5,000 for trains cancelled by Railways within 24 hours of departure
• 1% reversal (up to ₹200/month) of transaction charges on IRCTC train ticket bookings
• Tap & Transit support for metro and bus commutes via NCMC