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Compare IRCTC Co-brand Cards

Reward Structure ^
Cards
IRCTC SBI Card
IRCTC SBI Card
(VISA/RuPay)
IRCTC SBI Premium Card
IRCTC SBI Card
(VISA/RuPay)
IRCTC BOB Card
IRCTC BOB Card
(RuPay)
IRCTC HDFC Card
IRCTC HDFC Card
(RuPay)
IRCTC RBL Card
IRCTC RBL Card
(RuPay)
IRCTC Spends Up to 10 Reward Points per ₹100 spent on IRCTC train tickets.
  • Up to 10 Reward Points per ₹100 spent on IRCTC train tickets.

  • 10 Reward Points per ₹100 spent on Air tickets and eCatering.
Up to 10 Reward Points per ₹100 spent on IRCTC Train tickets. 5 Reward point for every ₹100 spent on IRCTC train tickets 5 Reward point for every ₹200 spent on IRCTC train tickets for all classes.
Welcome Bonus Points 350 1500 500 500 500
1 Reward Points Value Rs. 1 Rs. 1 Rs. 1 Rs. 1 Rs. 1
Other Spends 1 Reward point for every ₹125 spent on non-fuel retail purchases
  • 3 Reward Points per ₹125 spent on Dining and standing instructions on Utility spends.

  • 1 Reward point for every ₹125 spent on non-fuel retail purchases.
4 Reward Points on every ₹100 spent on Grocery & Departmental stores. 1 Reward point for every ₹100 spent on all other spends
  • 3 Reward Points on INR 200 spent on NCMC Reload, FASTag, UTS.

  • 2 Reward Points on INR 200 spent on www.air.irctc.co.in.

  • 1 Reward point for every INR 200 spent on all other spends.
Payment Gateway Charges Waiver ^
PG Charges 1% waiver on IRCTC train ticket bookings 1% waiver on IRCTC train ticket bookings and 1.8% waiver on Airline ticket bookings 1% waiver on IRCTC train ticket bookings 1% waiver on IRCTC train ticket bookings 1% waiver on IRCTC train ticket bookings
Complimentary Railway Lounge Access ^
Per Quarter 1 2 1 2 2
Other Benefits ^
Additional Benefits Up to 1% Fuel Surcharge Waiver across all petrol pumps
  • Up to 1% Fuel Surcharge Waiver across all petrol pumps.

  • Annual Fee reversal in the subsequent year on spends of ₹2 lakh.

  • Complimentary Air accident and Rail accident cover of ₹50 lakh and ₹10 lakh.

  • Complimentary Credit Card fraud liability cover of ₹1 lakh.
Up to 1% Fuel Surcharge Waiver across all petrol pumps. Up to 1% Fuel Surcharge Waiver across all petrol pumps.
  • Up to 1% Fuel Surcharge Waiver across all petrol pumps.

  • Train Cancellation Protect up to ₹5000, backed by Insurance Cover.
Fees & Charges ^
Joining Fee Excl. GST ₹500 ₹1499 ₹500 ₹500 ₹500
Annual Fee Excl. GST ₹500 ₹1499 ₹350 ₹500 ₹500