Top 6 IRCTC Credit Cards: Indian Railways frequent travelers, IRCTC credit cards are a wise financial tool. These co-branded cards have a host of benefits such as discounts on train travel, reward points, lounge privileges, and more. Here are the top 6 IRCTC credit cards that provide maximum value for frequent rail travelers in India.
Best for: High-end travelers
The card provides 5% value return on train ticket reservations via IRCTC, together with reward points for other expenses. Free railway lounge access, fuel surcharge waivers, and milestone rewards are also enjoyed by the cardholders.
Rewards & Discounts:
10% value return on IRCTC reservations (AC1, AC2, AC3, and Executive Chair Car)
1 Reward Point for every ₹125 spent on non-fuel retail transactions
Maximum 4 free railway lounge access per annum
Additional Benefits:
Annual fee: ₹1,499
Waived on spending ₹2 lakh a year
Fuel surcharge waiver of up to ₹100 per month
The budget traveler benefits most from this card
The card suits individuals who desire basic advantages without expensive yearly fees. People who use the card receive one reward point for every transaction worth ₹125 and get 10% cashback on all their IRCTC ticket reservations. The card includes discounts for fuel consumption and utility bill transactions.
Rewards & Discounts:
10% savings on IRCTC ticket bookings on irctc.co.in
1 Reward Point for every ₹125 spent on retail transactions
Existing Members receive 1 point for every ₹125 they spend on retail transactions. The card provides 10% cashback on all your IRCTC ticket bookings and one reward point for every purchase worth ₹125. The credit card offers discounts on fuel purchases and utility bill transactions.
The card suits individuals who use it for their daily needs and travel expenses
Customers who use the Bank of Baroda and IRCTC credit card receive 40 reward points for each ₹100 spent on IRCTC ticket bookings. The card provides its users with extra rewards when they make purchases at dining outlets and grocery stores.
Rewards & Discounts:
Customers receive 40 Reward Points for each ₹100 they spend on IRCTC reservations.
Customers receive accelerated rewards points when they buy items from dining establishments and grocery stores.
Additional Benefits:
A yearly fee of ₹500 must be paid for this card
Cardholders gain entrance to railway lounges and receive concierge services from
Best for: Reward points and RuPay benefits
This new player enables users to earn 5% cashback on IRCTC reservations and 1% fuel surcharge waiver. It also gives discounts on restaurants and utility bills through the RuPay network.
Rewards & Discounts:
5% cashback on train ticket reservations
1% fuel surcharge waiver
Additional Benefits:
Exclusive offers through RuPay network on dining, shopping, and more
Railway lounge facilities benefits
Also Read: IRCTC Q4 Results 2025: Date, Dividend, Earnings Call Schedule and More
Ideal for: Infrequent travelers
Though less popular, it provides minimal cashback and reward benefits for infrequent travelers. Users can earn reward points on IRCTC and retail transactions and redeem them for ticket reservations.
Rewards & Discounts:
6 Reward Points on every ₹100 on IRCTC ticket reservations
1 reward point per ₹150 spent on other expenses
Additional Benefits:
Annual charges: ₹499
Discounts on ticket booking and lifestyle benefits
Best suited for: Savings across the board
A complete package rewarding cashback on IRCTC bookings, railway lounge access, and dining discounts. Ideal for frequent travelers seeking lifestyle benefits as well.
Rewards & Discounts:
4 Reward Points for every ₹100 spent on IRCTC
15% off partner restaurants
Additional Benefits:
1 complimentary railway lounge visit per quarter
Annual charge: ₹500
Last Thoughts
For regular train commuters, these IRCTC credit cards present a combination of cost savings and travel convenience. Compare the benefits and choose the one that suits your travel and expenditure patterns to achieve maximum value on each journey.
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