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RBL Bank
IRCTC RBL Bank Credit Card
RuPay
IRCTC RBL Bank Credit Card
A low-fee co-brand card for rail-heavy spenders — railway lounge access and IRCTC booking-fee reversal, but general spend rewards are thin.
Rates and fees last verified 15 July 2026.
Annual fee
₹500
Joining fee
₹500
Reward type
points
Base reward rate
0.5%
Card network
RuPay
Card tier
Entry
Benefits by category
- ✈️ 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
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹20,000
- Employment: salaried, self-employed
- Age: 21–60
Benefits
- 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
Pros
- + Free railway lounge access at select stations
- + Reversal of IRCTC booking transaction fees
- + Low, easily justified ₹500 fee
Cons
- − Reward rate outside IRCTC bookings is minimal
- − Lounge access limited to railway (not airport) lounges
- − Standard 3.5% forex markup