Cards · RBL Bank

IRCTC RBL Bank Credit Card: rewards, caps and exclusions

The IRCTC RBL Bank Credit Card pays about 2.5% on Train ticket booking of all classes from IRCTC Website/ IRCTC Mobile App (online), on the first ₹40,000 of spend a cycle, and 0.5% on everything else. Below is every rate, cap and exclusion in RBL Bank's published terms, as we last checked them on 9 October 2026.

RuPay, Mastercard₹500 a yearPaid in points

What it earns

≈2.5%Train ticket booking of all classes from IRCTC Website/ IRCTC Mobile App (online)on the first ₹40,000 of spend a cycle

≈1.5%FASTag Recharge from RBL Bank Digital Channels/ NCMC Reload / UTS Appon the first ₹66,600 of spend a cycle

≈1%Flights / hotel ticket booking from IRCTC Website/ IRCTC Mobile App (online)on the first ₹1,00,000 of spend a cycle

≈0.5%Everything elseno cap stated

≈ marks a rate paid in points, valued at ₹1 a point. That is Zenidhi's conservative valuation, the same one the audit uses: the cheap end of what the points can be redeemed for, never the best transfer. Redeemed well, they can be worth more.

What earns nothing

Spend in these categories earns no rewards on this card, however it is paid for:

Fuel
Utility bills
Insurance premiums
Cash withdrawals and fees
Money transfers
Rent
Education fees
Wallet loads
Government payments
EMI conversions

What costs extra

Worse than earning nothing: RBL Bank charges a fee for these.

1% on Fee on Rental Transactions, plus GST
1% on Fee on Utility Spends, plus GST

Milestones

In RBL Bank's own words:

"The Cardmember will be entitled to get 500 Reward Points on calendar quarter spends of INR 75,000 except the defined exclusion category." (T&C 3.3) → 500 RP

Fees

Annual fee: ₹500, plus 18% GST
Joining fee: ₹500

Welcome benefit: 500 Reward Points on paying the joining fee and spending ₹500 within 30 days.

Where this comes from

Transcribed from RBL Bank's own documents and checked against them on 9 October 2026:

Banks change these terms, sometimes with a month's notice. If a figure here disagrees with RBL Bank's current document, the bank's document is right. Tell us at support@zenidhi.com and we'll fix the rule, here and in the app.