Level up the travel with up to 40X benefits! The card has annual fee of Rs. 500, so the cardholder can end up with benefits worth up to Rs. 20,000 annually by shopping, dining, travel bookings, and more with this Card. That’s 40 times the value of the annual fee
Redeem the Reward Points directly on IRCTC at incredible value - 1 Reward Point = Rs. 1
Navigate the daily commutes effortlessly at metro and bus stations by simply tapping the card
Enjoy a seamless payment process by using UPI, simply scan and pay for a smooth transaction process
8 complimentary (2 visits per quarter) lounge access at railway stations
Enjoy Rs. 5,000 cancellation protection in case a train is cancelled at the last minute
Transaction charges of 1% will be reversed on IRCTC RBL Bank Credit Card. Max Rs. 200 surcharge waiver per month on transaction up to Rs. 5,000
Get 5 Reward Points per Rs. 200 spent on train ticket bookings via the IRCTC website or App
Get 3 Reward Points per Rs. 200 swiped on FASTag recharge from RBL Bank Digital Channels/NCMC Reload/UTS App
Along with getting rewards on train tickets, cardholder can also avail 2 Reward Points per Rs. 200 spent on booking flights, hotels and cruises from the IRCTC website or App
Get 1 Reward Point per Rs. 200 spent everywhere
Complimentary Airport Lounge Access within India: Lounge access program will now be based on the credit card spends. Spend Rs. 1 Lakh or more in a calendar quarter (Jan-Mar | Apr-Jun |Jul-Sept | Oct-Dec). Choose up to 2 complimentary lounge access vouchers as your Quarterly Milestone Benefit
International Lounge access using priority pass is not based on spends: Cardholders can apply for Priority Pass once they complete minimum 4 retail transactions on the card. Do note that Rupay cards are not eligible for priority pass. Using Priority Pass, avail up to 6 Complimentary Lounge Access per calendar year, outside India
1% fuel surcharge waiver at all fuel stations across India on transactions between Rs. 400 and Rs. 5000
Enjoy dining benefits with the Good Food Trail program: Get up to 7.5% savings on all restaurant bill payments via Swiggy Dineout (20k+ restaurants). This offer is inclusive of Restaurant and Swiggy Discount, and valid only on payments done via the Swiggy App
Zero Lost card liability
Foreign Currency Markup: 3.5% on all foreign currency spends
Get Revolving Credit at nominal interest rate
24/7 Concierge Services
Milestone Benefit: Avail 10,000 Reward Points when achieving annual spends of Rs. 5 lakhs and additional 5,000 Reward Points when achieving annual spends of Rs. 8 lakhs in an anniversary year
Spend Rs. 3L in 12 Months and get Renewal Fee waived for next renewal year
Convert big spends into EMI after purchase
Accidental air death cover worth Rs. 1 Crore
Emergency overseas hospitalization up to Rs. 15 lakhs
Lost Card Liability Cover : Up to Rs 9 lakhs
On retail spends including Insurance, earn 4 reward points on Rs. 150
Get 10,000 Reward Points on annual spends of Rs. 5 lakhs
Get additional 5,000 Reward Points on annual spends of Rs. 8 lakhs
Editor's Review
Pros
8 complimentary (2 visits per quarter) lounge access at railway stations and get Rs. 5,000 cancellation protection in case a train is cancelled at the last minute
Avail 2 Reward Points per Rs. 200 spent on booking flights, hotels and cruises from the IRCTC website or App
Welcome benefits
Cons
No dining or movie benefits
No golf benefits
No international/domestic airport lounge access
Pros
Earn 10,000 Reward Points when achieving annual spends of Rs. 5 lakhs.