4 Credit Cards to Maximize Savings on IRCTC Train Tickets!

Love train travel? Save money on IRCTC bookings while enjoying exclusive perks like railway lounge access, cashback, and reward points! Here’s a quick rundown of the best credit cards for train travelers in India.

Why Consider a Train Travel Credit Card?

Train travel credit cards offer:

  • Discounts on IRCTC bookings.
  • Railway lounge access for a more comfortable journey.
  • Reward points on your bookings and other expenses.

Let’s explore the top options!

1. SBI IRCTC Platinum Credit Card

Key Features:

  • 1.8% transaction fee waiver on IRCTC bookings.
  • 10% value back as reward points on AC1, AC2, AC3, and Chair Car bookings.
  • Complimentary railway lounge access at select stations.
  • 1 reward point for every ₹125 spent on non-fuel transactions.

Apply Now : SBI IRCTC Platinum Credit Card

2. Air India SBI Signature Credit Card

Key Features:

  • 20,000 reward points within 15 days of paying the annual fee.
  • 5,000 bonus points on renewal.
  • 2 complimentary domestic lounge accesses per quarter.
  • Exclusive offers on Air India ticket bookings.
  • 1% fuel surcharge waiver at petrol pumps across India.

Apply Now : Air India SBI Signature Credit Card

3. Kotak Royale Signature Credit Card

Key Features:

  • Up to ₹500 off on IRCTC bookings annually.
  • 4X reward points on transactions.
  • 3% discount on fuel transactions (₹500–₹3,000).
  • Complimentary access to airport and railway lounges.

4. HDFC Bharat Cashback Credit Card

Key Features:

  • 5% cashback on IRCTC train bookings, utility payments, and fuel.
  • 1% fuel surcharge waiver across all fuel pumps.
  • Easy EMI options for big purchases.
  • Extra 5% cashback via EasyEMI, PayZapp, and SmartBUY.

Apply Now : HDFC Bharat Cashback Credit Card

Choose the card that aligns with your lifestyle to get the best value!