The Loyalty scheme for Frequent Travelers is exclusively brought to you by IRCTC in partnership with India’s leading card partners viz SBI Cards, BOBCard, HDFC and RBL Bank. The scheme allows the travellers to earn ‘Travel Points’ whenever members booked tickets through IRCTC e-ticketing portal and these points can be redeemed on Train Tickets as and when required. A loyalty user earns travel points on Rail ticket booking and partner points on the purchase of other goods and services. The loyalty user can redeem these points for ticket booking on IRCTC.
IRCTC SBI Card

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  • Joining/Renewal Fee of ₹500/₹300
  • Welcome Benefit of 350 bonus Reward Points on card activation
  • 1 Reward Point on regular spends of ₹125
  • Up to 10 Reward Points per ₹100 spent on IRCTC tickets
  • 1% Transaction charge waiver on IRCTC train ticket bookings
  • 4 Complimentary Railway Lounge access in a year (Max. 1 per quarter)
IRCTC SBI Card
(on RuPay Platform)


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  • Joining/Renewal Fee of ₹500/₹300
  • Welcome Benefit of 350 bonus Reward Points on card activation
  • 1 Reward Point on regular spends of ₹125
  • Up to 10 Reward Points per ₹100 spent on IRCTC tickets
  • 1% Transaction charge waiver on IRCTC train ticket bookings
  • 4 Complimentary Railway Lounge access in a year (Max. 1 per quarter)
IRCTC SBI Card Premier

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  • Joining/Renewal Fee of ₹1,499
  • Welcome Benefit of 1,500 bonus Reward Points
  • 3 Reward Points per Rs 125 spent on Dining and standing instructions on Utility spends
  • 1 Reward Point on regular spends of ₹125
  • 10 Reward Points per ₹100 spent on IRCTC tickets
  • 5 Reward Points per ₹100 spent on air tickets and e‑catering
  • 1% Transaction charge waiver on rail and air bookings
  • 8 Complimentary Railway Lounge access in a year (Max. 2 per quarter)
IRCTC BOB Card

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  • Joining/Renewal Fee of ₹500/₹300
  • Welcome Benefit of 500 bonus Reward Points
  • Upto 40 BOBCARD Reward Points per ₹100 spent on IRCTC tickets
  • Upto 4 Reward Points on every ₹100 spent on other categories
  • 1% Transaction charge waiver on IRCTC train ticket bookings
  • Upto 4 Complimentary Railway lounge access per year (1 per quarter)
IRCTC HDFC Card

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  • Joining/Renewal Fee of ₹500
  • Welcome Gift voucher worth ₹500
  • 5 Reward Points per ₹100 spent on IRCTC tickets
  • 1 Reward Points on every ₹100 spent on other categories
  • 1% Transaction charge waiver on IRCTC train ticket bookings
  • Upto 8 complimentary access to select IRCTC Executive Lounges every year (2 per quarter)
IRCTC RBL Card

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  • Joining/Renewal Fee of ₹500
  • Welcome Benefit of 500 Reward Points
  • "5 rewards points INR on 200 spents on IRCTC website and Rail Connect App for all classes
  • 3 Reward Points on INR 200 spent on FASTAG Recharge/NCMC Reload/UTS App
  • 2 Reward Points on INR 200 spent on www.air.irctc.co.in, www.irctctourism.com on Flight/Hotel/Cruise Ticket Booking."
  • 1 Reward Points on every ₹200 spent on other categories
  • 1% Transaction charge waiver on IRCTC train ticket bookings
  • Upto 8 Complimentary access to select IRCTC Executive Lounges every year (2 per quarter)
  • Train Cancellation Protect feature up to ₹5000
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