Explore the Top 4 IRCTC Co-Branded Credit Cards with Exclusive Benefits
Convenient Travel with IRCTC Co-Branded Credit Cards
Co-branded credit cards, developed through partnerships between the Indian Railway Catering and Tourism Corporation (IRCTC) and leading banks, provide a hassle-free way to book train tickets. Collaborating with HDFC Bank, State Bank of India, Bank of Baroda, and RBL Bank, IRCTC offers these cards, which come with a variety of perks designed for frequent travelers.
Through IRCTC's loyalty program, passengers can accumulate 'Travel Points' each time they purchase train tickets using these co-branded credit cards on the official booking platform. These points can later be redeemed for future ticket purchases. Additionally, customers can earn points when they spend on other affiliated products and services.
IRCTC HDFC Bank Credit Card Features
IRCTC HDFC Bank Credit Card
- Receive a gift voucher worth ₹500 after quarterly spending of ₹30,000.
- Joining/Renewal Fee: ₹500.
- Welcome Benefit: ₹500 upon card activation within the first 37 days.
- Earn five reward points for every ₹100 spent on IRCTC ticket bookings via the IRCTC website or Rail Connect app.
- One reward point for every ₹100 spent in other categories.
- 1% transaction fee waiver on IRCTC ticket bookings through the official website and app.
- Complimentary access to 'IRCTC Executive Lounges' up to eight times a year.
- One reward point equals ₹1 for transactions on the IRCTC ticketing website and app.
IRCTC Bank of Baroda Card Benefits
IRCTC BOB Card
- Joining/Renewal Fee: ₹500/₹300.
- Welcome Benefit: ₹500 in bonus reward points.
- Earn up to 40 BOBCARD reward points for every ₹100 spent on IRCTC tickets.
- 1% transaction fee waiver on IRCTC train ticket bookings.
- Complimentary access to select railway lounges up to four times a year (one per quarter).
- Earn up to four reward points for every ₹100 spent in other categories.
IRCTC RBL Card Features
IRCTC RBL Card
- Joining/Renewal Fee: ₹500.
- Welcome Benefit: 500 reward points.
- Earn five reward points for every ₹200 spent on the IRCTC website and Rail Connect app.
- For flight, hotel, or cruise bookings, earn two reward points for every ₹200 spent on the respective websites.
- 1% transaction fee waiver on bookings made through IRCTC.
- Complimentary access to select IRCTC lounges up to eight times a year (two per quarter).
- Train Cancellation Protection: Coverage up to ₹5000 if a train is canceled by Indian Railways within 24 hours of departure.
- Earn three reward points for every ₹200 spent on FASTag recharges, NCMC reloads, or UTS App transactions.
- One reward point for every ₹200 spent in other categories.
- Metro & Bus Travel: 'Tap and Transit' feature available for metro and bus rides.
IRCTC SBI Card Premier Features
IRCTC SBI Card Premier
- Joining/Renewal Fee: ₹1499.
- Welcome Benefit: 1500 bonus reward points.
- Earn 10 reward points for every ₹100 spent on IRCTC train bookings.
- Earn five reward points for every ₹100 spent on flight tickets and e-catering orders.
- 1% waiver on transaction charges for train and flight bookings.
- Free access to select railway lounges up to eight times a year (two visits per quarter).
- Earn three reward points for every ₹125 spent on dining and utility bill payments set on auto-debit.
- Earn one reward point for every ₹125 spent on regular purchases.