M16S / RBL Bank / IRCTC RBL Bank Credit Card
entry · travel, cobrand, upi
IRCTC RBL Bank Credit Card
The IRCTC RBL Bank Credit Card costs Rs 500 a year. Its base return is 0.5% (1 point per Rs 200). The forex markup is 3.5%. Lounge visits in India: 8 railway lounge visits a year (2 per quarter); no airport lounge stated. Read from the issuer's own documents on 11 Oct 2026.
- Annual fee
- Rs 500+ GST
- Fee waived at
- —
- Base return
- 0.5%
- Forex markup
- 3.5%
- Interest
- 3.99%a month
Apply on rbl.bank.inOpens the bank’s own page.
Fees
| Joining fee | Free |
|---|---|
| Annual fee | Rs 500 |
| Fee notes | Issuer MITC: no separate joining fee; the first-year annual fee is charged upfront |
Rewards
| Welcome benefit | 500 points for spending above Rs 500 in the first 30 days, after fee payment |
|---|---|
| Reward currency | Reward Points |
| Base earn | 1 point per Rs 200 |
| Base return | 0.5% |
| Point value | 1 point = Re 1, redeemable only on the IRCTC website and app |
| Accelerated earn | 5 points per Rs 200 on IRCTC train tickets; 2 per Rs 200 on IRCTC flights and hotels; 3 per Rs 200 on FASTag recharge via RBL channels, NCMC reload, UTS app |
| Spends that earn nothing | No points on fuel & auto, utilities, insurance, quasi-cash, real estate/rent, education, wallets, government services, contracted services, cash, railways, Bills2Pay, EMI conversions |
| Reward notes | base_return_pct = 1 point per Rs 200 x Re 1; 2.5% on IRCTC train tickets. No redemption fee per MITC. The listing headline '1 reward point per Re 1' refers to point value. |
Travel and perks
| Domestic lounge | 8 railway lounge visits a year (2 per quarter); no airport lounge stated |
|---|---|
| International lounge | None |
| Forex markup | 3.5% |
| Other freebies | 1% transaction charge reversal up to Rs 200 on IRCTC transactions up to Rs 5,000; ticket cancellation protection Rs 5,000 |
Charges and eligibility
| Interest per month | 3.99% |
|---|---|
| Late payment fee | 12.5% of total amount due, min Rs 5, max Rs 1,300 |
| Cash advance fee | 2.5% min Rs 500 |
| Fine-print notes | IRCTC payment gateway charges of up to 1.8% apply on rail tickets (MITC). Issuer MITC: reward redemption fee Rs 99 + GST per redemption day; 1% fee on rent, on utility spend above Rs 50,000/month, on fuel transactions above Rs 10,000, on education via third-party apps and on FASTag/toll transactions above Rs 10,000. Offline UPI spends under Rs 2,000 at small merchants earn nothing on RuPay variants. |
Questions
- What is the annual fee of the IRCTC RBL Bank Credit Card?
- Rs 500 a year, before GST.
- Does the IRCTC RBL Bank Credit Card give airport lounge access?
- Yes. In India: 8 railway lounge visits a year (2 per quarter); no airport lounge stated. Outside India: none listed.
- What is the forex markup on the IRCTC RBL Bank Credit Card?
- 3.5% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the IRCTC RBL Bank Credit Card?
- No points on fuel & auto, utilities, insurance, quasi-cash, real estate/rent, education, wallets, government services, contracted services, cash, railways, Bills2Pay, EMI conversions