IRCTC RBL Bank Credit Card vs RBL Platinum Delight Credit Card
Joining Fees
₹500
₹1,000
Editor's Rating
3.8
3.7
Key Features
- 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
- Reward on all purchases PLUS Annual Spend Benefit
- Fuel Surcharge Waiver
- Avail Four Reward Points for every Rs.100 spent during the weekends.
- Earn 1,000 Bonus Reward Points every month on swiping the Card five times for transactions worth Rs.1,000 or more in a calendar month.
- Enjoy 2X Rewards on weekends, 1000 bonus rewards every month and waiver of fuel surcharge
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
- Reward on all purchases
- Earn 1,000 Bonus Reward Points every month on swiping the Card five times for transactions worth Rs.1,000 or more in a calendar month.
- Swipe your Card within 30 days of issuance and earn 4000 Reward points as a welcome gift
Cons
- No golf/coaching sessions
- No complimentary Airport Lounge Access
