​IRCTC Credit Cards – Special Credit Cards That Make Train Travel Economical​ – Comprehensive Guide 2023

​IRCTC Credit Cards

In the ever-evolving landscape of financial services, credit cards have become indispensable tools for savvy consumers. Recognizing the unique needs of train travelers, various banks have introduced specialized credit cards that offer exclusive benefits for booking through the Indian Railway Catering and Tourism Corporation (IRCTC). This essay explores the economic advantages and features of some prominent IRCTC credit cards, shedding light on how these financial instruments make train travel more economical.

IRCTC Credit Cards Landscape:

The synergy between banks and IRCTC has led to the creation of credit cards tailored to the needs of railway enthusiasts and frequent travelers. These cards come with a range of benefits, including cashback, discounts, reward points, and complimentary services. As of September 2023, the Reserve Bank’s Credit Cards outstanding data reveals a diverse array of options available to consumers. The details provided herein are sourced from the respective banks’ websites, and it’s important to note that they are not presented in any particular ranking order.

Also Read…. A Comprehensive Guide to Lifetime Annual Fee

IRCTC HDFC Bank Credit Card:

  1. 5 Reward Points for IRCTC Spending:
    • Earn 5 reward points for every Rs 100 spent through the IRCTC Ticketing Website and Rail Connect App.
  2. Additional Benefits:
    • 1 reward point for all other non-IRCTC spends.
    • Enjoy an additional 5% cashback on train ticket bookings through HDFC Bank Smart Buy.
    • Receive 8 complimentary Axis on IRCTC Executive Launch Axis every year (2 times in a quarter).

IRCTC SBI Platinum Card:

  1. Activation Bonus:
    • Get Rs 350 as an activation bonus with a single transaction of Rs 500 or more within 45 days of card issuance (excluding fuel and cash spending).
  2. Reward Points and Savings:
    • Up to 10% reward points as value back on AC1, AC2, AC3 Executive Chair Car, and Chair Car tickets through IRCTC website/app.
    • Save 1% transaction charge on railway ticket bookings through IRCTC website.
    • Earn 1 reward point for every Rs 125 spent on non-fuel purchases, including ticket purchases through IRCTC website/app.
    • Avail a maximum of 4 complimentary railway launch axis per year (maximum 1 per quarter).

IRCTC SBI Card Premier:

  1. Reward Points and Discounts:
    • Up to 10% reward points as value back on AC1, AC2, AC3 Executive Chair Car, and Chair Car tickets through IRCTC website/app.
    • Earn 3 Reward Points per Rs 125 on Payment of Dining & Standing Instructions on Utility Spending.
    • Receive 1 reward point on non-fuel retail purchases.
    • Enjoy a 1% discount on transaction charges on railway ticket bookings through www.irctc.co.in.
    • Avail a 1.8% discount on transaction charges for airline ticket bookings through www.air.irctc.co.in.
    • Benefit from a maximum of 8 complimentary railway launch axis in a year (Maximum 2 in a quarter).

IRCTC BoB RuPay Credit Card:

  1. Reward Points and Bonus Benefits:
    • Earn up to 40 reward points for every Rs 100 on ticket bookings through IRCTC website and mobile app.
    • Receive 1000 bonus reward points on a single transaction of Rs.1000 or more within 45 days of card issue.
    • Get 2 Reward Points for every Rs 100 spent, including tickets through IRCTC website and app.


In conclusion, the introduction of specialized IRCTC credit cards by leading banks has redefined the landscape of economic train travel. These cards offer a plethora of benefits, ranging from reward points and cashback to exclusive discounts on transaction charges. The diverse features cater to different preferences and spending patterns, ensuring that consumers can choose a card that aligns with their needs. As the financial ecosystem continues to evolve, these IRCTC credit cards stand out as innovative tools, providing travelers with not just convenience but also economic advantages. With a focus on making train journeys more affordable, these credit cards exemplify the strategic partnerships between financial institutions and essential service providers, ultimately enhancing the overall consumer experience.

Show More

Related Articles

Leave a Reply

Back to top button

Adblock Detected

Please consider supporting us by disabling your ad blocker