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For frequent railway travellers, booking a train ticket can come with additional benefits. IRCTC, in partnership with banks and card issuers, offers co-branded credit cards that allow users to earn reward points on railway bookings and redeem them for future train ticket purchases. (Image source: AI generated)<\/p>\n<\/div>\n<\/figcaption><\/figure>\n\n<\/p>\n
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These cards combine regular credit card features with travel-focused benefits such as ticket booking rewards, transaction fee waivers and railway lounge access. IRCTC\u2019s co-branded card partners include SBI Cards, Bank of Baroda, HDFC Bank and RBL Bank. (Image source: AI generated)<\/p>\n<\/div>\n<\/figcaption><\/figure>\n\n<\/p>\n
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IRCTC RBL Bank Credit Card |<\/strong> Designed for regular IRCTC users, the IRCTC RBL Bank Credit Card rewards spending across railway and travel-related categories. The card comes with a joining and renewal fee of \u20b9500 and offers 500 reward points as a welcome benefit. Users earn five reward points for every \u20b9200 spent on IRCTC website and Rail Connect app bookings. The card also provides rewards on FASTag recharge, NCMC reload, UTS app transactions and IRCTC flight, hotel and cruise bookings. Cardholders get a 1% transaction charge waiver on IRCTC train bookings and up to eight complimentary visits to select IRCTC Executive Lounges every year. The card also offers train cancellation protection of up to \u20b95,000. (Image source: IRCTC website)<\/p>\n<\/div>\n<\/figcaption><\/figure>\n\n<\/p>\n
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IRCTC SBI Card | <\/strong>The IRCTC SBI Card is aimed at travellers looking for a simple railway-focused credit card with annual benefits. The card carries a joining fee of \u20b9500 and renewal fee of \u20b9300. Users receive 350 bonus reward points after activating the card. Cardholders can earn up to 10 reward points per \u20b9100 spent on IRCTC ticket bookings, along with one reward point on regular spending of \u20b9125. The card also offers a 1% transaction charge waiver on IRCTC train bookings and four complimentary railway lounge visits every year. The same set of benefits is available on the RuPay variant of the IRCTC SBI Card. (Image source: IRCTC website)<\/p>\n<\/div>\n<\/figcaption><\/figure>\n\n<\/p>\n
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IRCTC SBI Card Premier |<\/strong> For travellers seeking premium benefits, the IRCTC SBI Card Premier offers higher rewards across travel categories. The card has a joining fee of \u20b91,499 and comes with 1,500 bonus reward points as a welcome benefit. Users earn 10 reward points per \u20b9100 spent on IRCTC tickets and five reward points per \u20b9100 spent on air tickets and e-catering. The card also provides rewards on dining and utility payments, along with a 1% transaction charge waiver on rail and air bookings. Premium users get access to eight complimentary railway lounge visits every year, with a maximum of two visits per quarter. (Image source: IRCTC website)<\/p>\n<\/div>\n<\/figcaption><\/figure>\n\n<\/p>\n
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IRCTC Bank of Baroda Card | <\/strong>The IRCTC Bank of Baroda Card focuses on rewarding railway ticket spending. The card comes with a joining fee of \u20b9500 and renewal fee of \u20b9350. New users receive 500 bonus reward points. Cardholders can earn up to 40 BOBCARD reward points per \u20b9100 spent on IRCTC ticket bookings. Spending on other categories also earns rewards. The card offers a 1% transaction charge waiver on IRCTC train bookings and up to four complimentary railway lounge visits annually. (Image source: IRCTC website)<\/p>\n<\/div>\n<\/figcaption><\/figure>\n\n<\/p>\n
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IRCTC HDFC Bank Card<\/strong> | The IRCTC HDFC Bank Credit Card offers a straightforward reward structure for regular train travellers. The card has a joining fee of \u20b9500 and provides a \u20b9500 welcome gift voucher. Users earn five reward points per \u20b9100 spent on IRCTC ticket bookings and one reward point per \u20b9100 spent on other categories. The card also provides a 1% transaction charge waiver on IRCTC train bookings and up to eight complimentary visits to select IRCTC Executive Lounges every year. (Image source: IRCTC website)<\/p>\n<\/div>\n<\/figcaption><\/figure>\n\n<\/p>\n
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Which IRCTC card should travellers choose?<\/strong> The right card depends on how often a person travels by train and how much they spend on railway bookings. Frequent IRCTC users may benefit from cards offering higher rewards on ticket bookings, while occasional travellers may prefer cards with lower annual fees and useful travel benefits. Before choosing a card, users should compare the joining and renewal charges, reward redemption rules, lounge access limits and other conditions. (Image source: AI generated)<\/p>\n<\/div>\n<\/figcaption><\/figure>\n\n<\/p>\n
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For regular train travellers, these co-branded cards can add value to everyday journeys by converting ticket payments into rewards. However, the benefits work best when the card is used responsibly and monthly dues are cleared on time. (Image source: AI generated)<\/p>\n<\/div>\n<\/figcaption><\/figure>\n<\/div>\n
Continue Reading<\/span><\/button><\/p>\n<\/div>\n<\/div>\nSource link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"By Anshul \u00a0July 28, 2026, 11:15:30 AM IST (Published) IRCTC partners with banks like SBI, BoB, HDFC, and RBL to offer co-branded credit cards with rewards on railway bookings, lounge access, and fee waive…Read More 1\/9 For frequent railway travellers, booking a train ticket can come with additional benefits. IRCTC, in partnership with banks and…<\/p>\n","protected":false},"author":1,"featured_media":30311,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[47],"tags":[],"class_list":["post-30310","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-travel"],"_links":{"self":[{"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/posts\/30310","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/comments?post=30310"}],"version-history":[{"count":0,"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/posts\/30310\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/media\/30311"}],"wp:attachment":[{"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/media?parent=30310"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/categories?post=30310"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/tags?post=30310"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}