Do you find yourself booking train tickets often? If yes, there’s good news! IRCTC, in partnership with leading banks, offers special credit cards that make your train journeys more rewarding. These co-branded credit cards are designed especially for frequent travellers, helping you save money, earn rewards, and enjoy exclusive perks every time you travel by train.
Let’s explore the top IRCTC co-branded credit cards and the benefits they offer.
Why Choose an IRCTC Co-Branded Credit Card?
When you use these credit cards to book train tickets on the IRCTC website or app, you earn reward points, enjoy discounts, and get access to exclusive railway lounges. You can also redeem your points for future bookings, making every journey more affordable.
Top IRCTC Co-Branded Credit Cards
1. IRCTC HDFC Bank Credit Card
- Joining/Renewal Fee: ₹500
- Welcome Gift: ₹500 voucher on activation within 37 days
- Rewards: 5 points per ₹100 spent on IRCTC bookings, 1 point per ₹100 on other spends
- Lounge Access: Up to 8 complimentary visits per year (2 per quarter)
- Other Perks: 1% transaction charge waiver, milestone gift voucher of ₹500 on spending ₹30,000 per quarter
2. IRCTC RBL Bank Credit Card
- Joining/Renewal Fee: ₹500
- Welcome Benefit: 500 reward points
- Rewards: 5 points per ₹200 on IRCTC bookings, 2 points per ₹200 on flights/hotels/cruises via IRCTC
- Lounge Access: Up to 8 complimentary visits per year (2 per quarter)
- Special Feature: ‘Train Cancellation Protect’ – up to ₹5,000 coverage if your train is cancelled by Indian Railways within 24 hours of your journey
- Other Perks: Tap-and-go for metro and bus rides, 1% transaction charge waiver
3. IRCTC Bank of Baroda (BOB) Credit Card
- Joining/Renewal Fee: ₹500/₹300
- Welcome Benefit: 500 bonus reward points
- Rewards: Up to 40 points per ₹100 on IRCTC bookings, up to 4 points per ₹100 on other spends
- Lounge Access: Up to 4 complimentary visits per year (1 per quarter)
- Other Perks: 1% transaction charge waiver
4. IRCTC SBI Card Premier
- Joining/Renewal Fee: ₹1,499
- Welcome Benefit: 1,500 bonus reward points
- Rewards: 10 points per ₹100 on IRCTC bookings, 5 points per ₹100 on air tickets and e-catering, 3 points per ₹125 on dining and utility spends
- Lounge Access: Up to 8 complimentary visits per year (2 per quarter)
- Other Perks: 1% transaction charge waiver on rail and air bookings
5. IRCTC SBI Card (RuPay Platform)
- Joining/Renewal Fee: ₹500/₹300
- Welcome Benefit: 350 bonus reward points
- Rewards: Up to 10 points per ₹100 on IRCTC bookings, 1 point per ₹125 on other spends
- Lounge Access: Up to 4 complimentary visits per year (1 per quarter)
- Other Perks: 1% transaction charge waiver
6. IRCTC SBI Card
- Joining/Renewal Fee: ₹500/₹300
- Welcome Benefit: 350 bonus reward points
- Rewards: Up to 10 points per ₹100 on IRCTC bookings, 1 point per ₹125 on other spends
- Lounge Access: Up to 4 complimentary visits per year (1 per quarter)
- Other Perks: 1% transaction charge waiver
If you travel by train frequently, these IRCTC co-branded credit cards can help you save on ticket bookings, earn attractive rewards, and enjoy a more comfortable journey with complimentary lounge access. Compare the features and pick the card that best matches your travel habits and spending patterns. Happy travels and happy savings!
