IRCTC Ticket Booking: Best Credit Card You Can Use For Railway Train Tickets Booking

For those who prefer cashless payments while booking railway train tickets, several banks have now come up with attractive offers on credit cards with various benefits. Given the schemes offered by Indian banks, people have now started preferring railway tickets through credit card to get additional benefits which includes discounts, benefits like cashback, rewards, freebies, railway lounge access, etc.

In India, lakhs of people travel by train each day across the country. If you are also thinking of traveling by train, then you must check once which credit card gives the highest benefits.

In this article, we have brought you some of the best credit cards for booking IRCTC railway ticket bookings from Indian banks (based on RBI's data on credit cards outstanding as of September 2023 ). One should note that these days banks are offering attractive offers to customers on credit cards for booking their railway train tickets.

HDFC Bank Credit Card:

The IRCTC HDFC Bank Credit Card is known for facilitating easy, fast, and secure payments at retail outlets.
IRCTC offers the benefit of reward points on HDFC Bank Credit Card. With the help of this card, if you spend on a ticket booking website or Railway Connect app, you get 5 reward points for every Rs 100. In addition, there is a benefit of 5% cashback and a 1% discount on transactions.

In addition, there is an annual fee of Rs 500 on this card. If you spend over Rs 1,50,000 per year then the renewal fee is waived.

State Bank of India:

IRCTC SBI Platinum Card offers 350 activation bonus reward points on a single transaction of Rs. 500 or more within 45 days of card issuance. If an individual book tickets via irctc.co.in you can save 1% transaction charges on railway tickets. With the help of this card, you also get access to the railway lounge. The card also provides customers 4 complimentary railway lounge access in a year to participating lounges in India (Max 1 per quarter).

Bank of Baroda

IRCTC BoB RuPay Credit Card offers 40% per Rs 100 for ticket booking on the IRCTC website and mobile app. For this card, you will have to pay an annual fee of Rs 350. You can earn Rs 1000 bonus reward points on a single transaction of Rs 1000 on this card.