The Cardmember can avail the following benefits on the IRCTC RBL Bank Credit Card:

• 5 Reward Points on every INR 200 spent on train ticket booking of all classes from IRCTC Website/ IRCTC Mobile App
• 3 Reward Points on every INR 200 spent on FASTag Recharge from RBL Bank Digital channels / NCMC Reload / UTS App
• 2 Reward Points on every INR 200 spent on flight / hotel / cruise ticket booking from IRCTC Website/ IRCTC Mobile App
• 1 Reward Point on every INR 200 spent on other Spends provided. However, spends on EMI interest amount and repayment, Fuel, Wallet load, gift vouchers, prepaid card loading, cash advances, payment of outstanding balances, payment of card fee and other charges like Government charges, Education, rental transactions and such other categories of spends as the Bank may prescribe shall be excluded from the reward benefits.
• Welcome Benefit of 500 Reward Points can be availed by the Cardmember after making the first transaction of INR 500 or more within the first 30 days of card issuance.
• Milestone Benefit of 500 Reward Points on quarterly spends (calendar quarter) of INR 75,000
• Complimentary Insurance Cover of Train Cancellation of Up to INR 5000 will be applicable only on trains cancelled by the Indian Railways within 24 hours or less from the date of the journey and the scheduled train time. Click here to know more.
• Value of 1 Reward Point shall be equivalent to 1 INR for Train ticket bookings only.
• 8 Complimentary access to select IRCTC Executive Lounges every year (Maximum of 2 visits per quarter) only for primary cardholders.
• 1% transaction surcharge waiver on IRCTC spends. Railway Surcharge is applicable on a transactions of up to INR 5,000. This is applicable on booking only via www.irctc.co.in or the IRCTC App. Maximum surcharge of INR 200/- only can be earned in one month.

• Joining Fee - INR 500/- + GST (Applicable in 1st Year)
• Renewal Fee – INR 500/- + GST (Applicable 2nd Year Onwards)

• You can apply for this credit card through both online and offline modes. To apply online, you can visit the official website of RBL Bank - http://www.rblbank.com or you can visit the official website of IRCTC – https://irctc.co.in
• Alternatively, you can also visit the nearest branch to apply for the IRCTC RBL Bank Credit Card.

Individuals between the age of 21 to 70 years are eligible for the IRCTC RBL Bank Credit Card subject to Bank’s internal policy.

• Welcome points will be credited upon:
• Payment of membership fee
• Upon first successful transaction of INR 500 or more on your Card.

The loyalty number printed on the back of your IRCTC RBL Bank Card is a 11-digit number which gets allocated to you upon approval of the card application.

• You can link your 11 digits loyalty number after paying the joining fee payment of your IRCTC RBL Bank Credit card. You need to use the same email id, mobile no. and date of birth linked to your IRCTC RBL Bank Credit Card.
• Steps for linking the loyalty number with IRCTC login id are mentioned below:
• 1) Visit IRCTC Ticketing Website/Rail Connect App and access the IRCTC account with your existing login id (Username and password). In case you do not have an existing Login ID on IRCTC Ticketing Website then you would need to register yourself first by signing up at IRCTC.
• 2) Select the option- “Add Loyalty Account “link provided under Loyalty Account Tab.
• 3) Enter the 11 digits Loyalty Number printed at the back of your IRCTC RBL Bank Credit card, then click on sent OTP.
• 4) Enter the OTP received on your registered mobile number and click on Confirm. After entering the OTP, cardholder will receive confirmation message of successful linking of Loyalty Account.
• 5) You can check your Loyalty Account details under the “Loyalty Account tab”.
• You will not be able to link your IRCTC RBL Bank Credit card if there is a mismatch in the email id, mobile no. and date of birth that was mentioned while applying for the IRCTC RBL Bank Credit card.
• You can call on IRCTC customer care on 14646 or 0755-6610661/0755-4090600 if you are unable to link your IRCTC RBL Bank Card loyalty number with your IRCTC login ID and password.

If your credit card is lost or stolen, you should immediately inform the bank by visiting the nearest branch or by calling on the customer care number. Alternatively, login to RBL Bank immediately and report your lost or stolen card in the Quick Assistance section in the menu.

You can track the status of your Credit Card application at https://www.rblbank.com/static-pages/track-your-credit-card-application. You can get below status for your application:

• Application under processing
• Application Approved/Declined
• Card boarded

RBL Bank rewards its Credit Card members with Reward Points for purchases made using RBL Bank Credit Cards. The more you spend, the more you earn. For bookings from IRCTC Rail Connect App / Website, value of one reward point is 1 INR.

Reward Points will be valid for a period of 2 years from the date of earning unless otherwise communicated.

The total Reward Points earned in a billing cycle will reflect in the subsequent month’s statement of the Credit Card.

You can view your Reward Points on RBL Bank’s reward portal www.rblrewards.com or login to RBL MyCard App. Available Reward Points will also be communicated in your Credit Card statement.

a) You can log in to www.rblrewards.com or

b) Log in to RBL MyCard App > Offers and Rewards > Rewards > Redeem. Select what you wish to purchase / redeem.

c) You can use your RBL Bank Reward Points for train ticket booking via IRCTC App / Website

Steps to redeem Reward Points from IRCTC App / Website:

• Go to IRCTC App / Website
• To book a train ticket, submit journey details
• On payments page, select Pay by Points option to redeem your desired reward points (Minimum of INR 200)

Refer detailed Terms and Conditions at RBL Bank’s rewards portal

Refer detailed Terms and Conditions at RBL Bank’s rewards portal

You can choose to pay partially using the Reward Points and remaining amount can be paid through the IRCTC RBL Bank Credit Card. You can refer detailed Terms and Conditions at https://www.rblrewards.com/tnc

1) Eligible cardholders must present their valid, unexpired eligible cards and Valid train travel ticket at the entrance to the select lounges to avail the benefit.

2) Rs 2/- will be charged from the customer’s account to validate the card for complimentary lounge access.

• The complimentary access to IRCTC Executive Lounges include the below facilities:
• Two Hours of lounge stay
• A/C comfortable sitting arrangements
• Access to washrooms / changing room
• 1 Buffet meal- Breakfast, Lunch or Dinner as per the time of visit.
• Unlimited tea & coffee
• Free Wi-Fi
• Charging points
• Newspaper and Magazine
• Any additional service such as recliners or more shall be chargeable separately as per the operator price for that service. Above mentioned benefits are indicative in nature and may subject to change as per availability and discretion of the lounge.

Please visit RBL Bank website to access list of IRCTC Executive Lounge.

Complementary railway lounge benefit is limited to primary cardholder only. Additional guests are allowed only on chargeable basis.

Once a transaction is cancelled/reversed, Reward Points earned on such transaction will automatically be adjusted/Debited from your existing Reward Points. Adjusted Reward Points can be viewed by logging into RBL MyCard App or RBL Bank’s rewards portal. Also, the adjusted reward points will reflect in upcoming Credit Card statement from the transaction cancellation date.

The Reward Points you have earned will reflect on the portal once your credit card statement is generated. The Reward Points will be shown as zero, if your card is blocked. You may need to contact the Customer Support team to get more information on this.

If a cardholder exceeds the monthly cycle capping of the product feature of 1,000 Reward Points, then Reward Points shall not be awarded for the spends done beyond the monthly capping.

To use you RBL Bank Credit Card for online purchase, you must enable Online transactions using one of the options below:

• Visit RBL Bank’s website at applications.rblbank.com/auth-controls
• Login to RBL MyCard Mobile App. Visit https://www.rblbank.com/credit-cards/rbl-mycard-app for more information.
  Login to RBL MyCard App > My Account > Select Card > Settings > Switch On/ Off your Card
• Calling our Customer Services helpline number 022 62327777

Every Cardmember must Activate their Credit Card within 30 days of issuance to enjoy the exclusive benefits through any of the options mentioned below:

• Make your first successful transaction
• Register on RBL MyCard App. Visit https://www.rblbank.com/credit-cards/rbl-mycard-app for more information.
• Set a PIN of your choice
• SWITCH ON Card settings
• Give a missed call at 9355415959 from your registered mobile number
• Tokenize Card at your favourite merchant site for seamless shopping experience
• Unblock your Credit Card if received via Speed Post by calling RBL Bank’s Customer Services helpline number 022 62327777

You can reach out to RBL Bank for any query via the below mentioned channels:

• Call us at 022 62327777
• Chat with us at https://www.rblbank.com/chatbot
• Send a text ‘Hi RBL’ on 8433598888 on WhatsApp from your registered mobile number
• Email us at cardservices@rblbank.com
• Visit nearest branch: rblbank.com/locate-us