Save BIG on Railway Ticket Bookings, Get Lounge Benefits With THESE IRCTC Credit Cards

Top Credit Cards in India: Credit cards are considered highly beneficial for frequent air travellers due to their airport lounge benefits and air mile rewards, but many credit cards also offer hefty discounts on railway ticket bookings. They also offer complimentary railway lounge benefits.

Several banks have launched their IRCTC special credit cards to provide significant discounts on railway ticket bookings, and other discounts related to the Indian Railways.

Top Credit Cards for Train Travellers

Here we have compiled a list of top credit cards in India which will provide multiple benefits to train passengers. The Indian Railway Catering and Tourism Corporation (IRCTC) has partnered with multiple banks to bring credit cards which offer exclusive discounts on train ticket bookings.

IRCTC SBI Card

IRCTC SBI Card card comes with a joining or renewal fee of Rs 500 or Rs 300. Upon activating the card, users receive a welcome benefit of 350 bonus Reward Points. For every Rs 125 spent on regular purchases, cardholders earn 1 Reward Point. However, when booking IRCTC tickets, users can earn up to 10 Reward Points for every ₹100 spent. This makes it particularly beneficial for frequent train travellers.

Cardholders also enjoy a waiver of 1% on transaction charges when booking train tickets through IRCTC. Moreover, the card offers four complimentary accesses to railway lounges each year, with a maximum of one access per quarter. Apart from IRCTC SBI Card, people can also considered other co-branded SBI credit cards like IRCTC SBI Card Primier, IRCTC SBI Card (Rupay), etc.

IRCTC BoB Card

IRCTC BOB Card comes with a joining or renewal fee of Rs 500 or Rs 300. Members receive a welcome benefit of 500 bonus Reward Points. This card is particularly beneficial for those who frequently book train tickets through IRCTC, as it provides up to 40 BOBCARD Reward Points for every Rs 100 spent on such bookings.
In addition to the benefits on IRCTC bookings, cardholders can earn up to 4 Reward Points for every Rs 100 spent on other categories. Cardholders also enjoy up to four complimentary railway lounge accesses per year, with one access available each quarter.

IRCTC HDFC Card

IRCTC HDFC Card requires a joining and renewal fee of Rs 500. However, credit card users receive a joining voucher of Rs 500, which automatically eliminates the joining fee cost.
Cardholders earn five reward points for every Rs 100 spent on IRCTC ticket purchases. For other spending categories, one reward point is awarded per Rs 100 spent. This rewards system encourages frequent use of the card for travel and other expenses. Cardholders enjoy up to eight complimentary visits to select IRCTC Executive Lounges annually, with two visits allowed per quarter.

IRCTC RBL Card

IRCTC RBL Card a joining and renewal fee of Rs 500 and a welcome benefit worth Rs 500. Cardholders earn five reward points for every ₹200 spent on the IRCTC website and Rail Connect App, applicable across all classes. Additionally, three reward points are awarded for every ₹200 spent on FASTAG recharge, NCMC reload, or through the UTS App. For bookings made on www.air.irctc.co.in and www.irctctourism.com, including flights, hotels, and cruises, two reward points are earned per ₹200 spent.

For other spending categories, users receive one reward point for every ₹200 spent. The card also provides a 1% transaction charge waiver on IRCTC train ticket bookings. Cardholders enjoy up to eight complimentary visits annually to select IRCTC Executive Lounges, with a limit of two visits per quarter.