Whether you’re a frequent train traveler or just planning an occasional journey, IRCTC co-branded credit cards offer great perks on train bookings and travel savings! Here’s a rundown of some of the best IRCTC credit cards available in India:
1️. HDFC Bank RuPay IRCTC Credit Card
- Joining Fee: ₹499 (renewal waived on spending ₹1.5 lakh/year)
- Rewards: 1 Cash Point/₹100 spent, and 5 Cash Points/₹100 on IRCTC bookings.
- Perks:
- Redeem points for train tickets, flights, or cashback.
- 8 complimentary lounge accesses/year at IRCTC Executive Lounges.
- Welcome gift: ₹500 Amazon voucher on the first purchase within 30 days.
- Fuel surcharge waiver: 1% on transactions ₹400-₹5,000.
For more: HDFC Bank RuPay IRCTC Credit Card
2️. IRCTC RuPay SBI Credit Card
- Joining Fee: ₹500
- Rewards: 1 Reward Point/₹125 spent on retail purchases.
- Special Offers:
- 350 Reward Points on first transaction of ₹500+ within 45 days.
- 4 complimentary railway lounge accesses/year (once per quarter).
- 1% savings on IRCTC booking transaction fees.
- Fuel surcharge waiver on ₹500-₹3,000 transactions.
For more: IRCTC RuPay SBI Credit Card
3️. IRCTC SBI Card Premier
- Joining Fee: ₹1,499 (waived on spending ₹2 lakhs/year)
- Rewards:
- 1,500 Reward Points as a welcome benefit.
- Milestone benefits: 2,500 points on ₹50,000 and 5,000 points on ₹1 lakh annually.
- Perks:
- Lounge access twice/quarter.
- Insurance coverage for rail accidents and fraud liability.
- Fuel and renewal fee waivers.
For more: IRCTC SBI Card Premier
4️. IRCTC RBL Bank Credit Card
- Annual Fee: ₹500 + taxes
- Rewards:
- 5 Reward Points/₹200 on train bookings, 2 points on hotels/flights/cruises, 1 point on other spends.
- Points are redeemable at ₹1/point on IRCTC.
- Perks:
- 500 points as a welcome benefit.
- Railway lounge access twice/quarter.
- 1% transaction charge waiver on IRCTC.
- NCMC and UPI linkage.
5️. IRCTC BOBCARD Credit Card
- Joining Fee: ₹500 + taxes
- Rewards:
- 40 Reward Points/₹100 on IRCTC bookings.
- 4 Reward Points/₹100 on grocery/departmental stores.
- 2 Reward Points/₹100 on other spends (1 point = ₹0.25).
- Perks:
- Complimentary railway lounge access once/quarter.
- Intro offer: 1,000 points on a single ₹1,000 transaction.
- Fuel surcharge and railway surcharge waivers, zero liability for card loss.
For more: IRCTC BOBCARD Credit Card
Key Takeaway:
With an IRCTC co-branded credit card, you can save money on train bookings, enjoy railway lounge access, and earn rewards. Whether you’re a frequent traveler or planning a few trips, these cards make train travel more rewarding and comfortable. Choose a card that fits your travel frequency and budget to maximize savings!