INDEPENDENT PUBLIC DIRECTORY: Eligo does not issue credit cards, collect customer applications, or earn affiliate referral commissions. All terms, fees, and interest charges below are sourced directly from the official npci.org.in & irctc.co.in (National Payments Corporation of India / IRCTC) Most Important Terms and Conditions (MITC).

🏛️National Payments Corporation of India (RuPay)Network: RuPayTravel & Aviation CardsLast Verified: 2026-09-28

IRCTC RuPay Credit Card

आईआरसीटीसी रुपे क्रेडिट कार्ड

Dedicated rail travel co-brand offering 10% value back on AC train tickets on irctc.co.in, 1% surcharge waiver, and executive railway lounge access.

Annual Fee₹500 + GST (Renewal: ₹300 + GST)

Reward RateUp to 10% value back in Reward Points on AC train ticket bookings (AC 1, AC 2, AC 3, Executive Chair Car) made via irctc.co.in or IRCTC Rail Connect app. 1 Reward Point per ₹125 spent on non-fuel retail purchases.

Airport Lounge4 complimentary domestic executive railway lounge visits per calendar year (1 visit per calendar quarter) at major railway stations across India.

Forex Markup3.50% + GST on foreign currency transactions.

What Is This Card

IRCTC RuPay Credit Card is India's dedicated rail travel co-branded credit card created on the indigenous RuPay network in partnership with Indian Railway Catering and Tourism Corporation (IRCTC). It offers up to 10% value back in railway reward points on AC train ticket bookings, waiver of the 1% IRCTC booking surcharge, and 4 complimentary executive railway lounge visits per year.

Key Benefits (Official MITC Sourced)

💳Annual Fee & Joining Fee

₹500 + GST (Renewal: ₹300 + GST)

Fee Waiver: Spend ₹50,000 or more in each preceding anniversary year to get the annual renewal fee of ₹300 waived.

🎁Welcome Benefit

350 bonus Reward Points credited upon card fee payment and completing first AC train ticket booking on irctc.co.in within 30 days.

⚡Reward Points Structure

Up to 10% value back in Reward Points on AC train ticket bookings (AC 1, AC 2, AC 3, Executive Chair Car) made via irctc.co.in or IRCTC Rail Connect app. 1 Reward Point per ₹125 spent on non-fuel retail purchases.

Redemption Value: 1 Reward Point = ₹1.00 directly redeemable to pay for train ticket bookings on irctc.co.in (1 Reward Point = ₹1.00 railway ticket value).

🛫Airport & Railway Lounge Access

4 complimentary domestic executive railway lounge visits per calendar year (1 visit per calendar quarter) at major railway stations across India.

🛡️Insurance & Fuel Surcharge Waiver

Insurance Cover: Accidental rail travel cover of ₹10 Lakhs. Lost card liability cover up to credit limit.

Fuel Surcharge: 1% fuel surcharge waiver across all petrol pumps in India on transaction amounts between ₹500 and ₹3,000.

🎯Milestone Spends & Grace Period

Milestones: Complete waiver of 1% transaction surcharge on train ticket bookings made on irctc.co.in. RuPay variant supports UPI scan-and-pay at railway station kiosks and merchants.

Interest-Free Period: Up to 50 days of interest-free credit from transaction date.

What's Missing (Eligo's Honest Disclosures)

Fine-Print Exclusions & Realistic Costs

10% reward value applies only to AC1, AC2, AC3, and CC classes and excludes non-AC sleeper tickets. Points must be redeemed exclusively on irctc.co.in by linking the card to the user's IRCTC loyalty profile. No airport lounge access.

Forex Markup Fee3.50% + GST on foreign currency transactions.

Cash Advance Fee2.5% of withdrawn amount or ₹500 (whichever is higher) + 3.50% monthly finance charges.

Finance Charges (Interest)3.50% per month (42.00% per annum) on revolving balances.

Late Payment SlabsNil for outstanding up to ₹500; tiered late fee from ₹400 to ₹1,300 (+ GST) based on outstanding balance.

Reward Points ExpiryReward points expire 3 years (36 months) from the date of accrual.

Categories Earning ZERO Rewards (Standard MITC Exclusion):Fuel transactions, wallet top-ups, and rent payments.

Eligibility Criteria

Salaried Indian individuals aged 21 to 65 with monthly salary exceeding ₹15,000. Self-employed individuals aged 21 to 65 with annual ITR exceeding ₹2,50,000.

Age Requirement21 to 65 Years

Minimum Income₹15,000/month (Salaried) / ₹2,50,000/year ITR (Self-Employed)

CIBIL Score NoteA credit score of 700+ is standard. High approval rates for frequent railway passengers.

SBI RelationshipNot mandatory. Issued by partner banks (SBI Card, Bank of Baroda, HDFC) on the RuPay network.

How to Apply (Official Procedure)

Online Digital Application Flow

1Open irctc.co.in or IRCTC Rail Connect app and select 'IRCTC RuPay Credit Card'.

2Enter PAN, mobile number, and your IRCTC login user ID.

3Enter employer details and monthly salary.

4Authorize digital Aadhaar verification.

5Complete online Video KYC session with bank official.

6Card is approved and dispatched via courier within 3 to 5 business days; link card to IRCTC profile for 10% rewards.

Branch Application for Offline Applicants

Apply at any partner bank branch (SBI, BoB, HDFC) with self-attested copies of PAN, Aadhaar, salary slip, and a passport-size photo.

Visit Official Card Page (npci.org.in)Download Official MITC (PDF)

Documents Required

1. PAN Card (statutory requirement)

2. Proof of Identity & Residence: Aadhaar Card, Passport, or Voter ID

3. Proof of Income: Last 3 months' salary slips with bank statement OR Latest ITR with Computation Sheet

4. Passport-size photograph.

Frequently Asked Questions (Official MITC)

What happens if I miss the minimum payment due on IRCTC RuPay Credit Card?

If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Nil for outstanding up to ₹500; tiered late fee from ₹400 to ₹1,300 (+ GST) based on outstanding balance.. In addition, revolving finance charges at 3.50% per month (42.00% per annum) on revolving balances. will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.

Can I convert transactions on IRCTC RuPay Credit Card into EMI?

Yes, National Payments Corporation of India (RuPay) provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.

How do I track and redeem reward points or cashback on IRCTC RuPay Credit Card?

You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into National Payments Corporation of India (RuPay)'s official mobile banking application or web portal. 1 Reward Point = ₹1.00 directly redeemable to pay for train ticket bookings on irctc.co.in (1 Reward Point = ₹1.00 railway ticket value). Please note: Reward points expire 3 years (36 months) from the date of accrual.

What is the interest-free grace period on IRCTC RuPay Credit Card and how does it work?

The interest-free period on IRCTC RuPay Credit Card is Up to 50 days of interest-free credit from transaction date.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (3.50% per month (42.00% per annum) on revolving balances.) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.

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