IRCTC RBL RuPay Credit Card 2025
Save ₹20,000–30,000 every year on train tickets + railway lounges – zero fee!
India ka sabse zabardast train card! IRCTC RBL RuPay is 100% lifetime free, gives 40% value back on AC 1st/2nd/3rd class tickets, 8 railway lounge visits, ₹750 cashback + 350 points welcome, 5% on UTS app & 1% fuel waiver.
Perfect for regular rail travellers!
Why Choose IRCTC RBL in 2025?
40% AC tickets • 8 railway lounges • LTF • ₹750 welcome • 5% UTS
Best for: Train travellers, AC class bookings, family vacations
100% LIFETIME FREE – ₹750 Cashback + 350 Points Instant!
Card At a Glance
Nil
Nil (LTF)
40 Points/₹100
5% Unlimited
8 Railway/Year
₹750 + 350 Points
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | Nil |
| Annual Fee | Nil (LTF) |
| AC 1st/2nd/3rd Class | 40 points per ₹100 |
| UTS App Booking | 5% unlimited cashback |
| Railway Lounges | 8 visits/year (₹2 nominal fee) |
| Welcome Bonus | ₹750 cashback + 350 points on first spend |
Detailed Reward Rates (2025)
- 40 points per ₹100 on AC class bookings (40% value back)
- 5% unlimited cashback on UTS app tickets
- 1 point per ₹100 on all other spends
- 1 point = ₹1 on IRCTC redemption
Airport Lounge Access
No airport lounge – But 8 railway station lounges (₹2 entry fee)
Insurance & Protection Benefits
- Zero lost card liability
- Journey accident cover up to ₹10 Lakh
- Purchase protection
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| 40% return on AC tickets | No airport lounge |
| 8 railway lounges | ₹2 fee per lounge visit |
| 100% Lifetime Free | RuPay (less international use) |
| ₹750 instant welcome |
Eligibility Criteria & Documents Required
- Age: 21–60 years
- Minimum Annual Income: ₹2.5 Lakh
- Credit Score: 650+ preferred
- Documents: PAN, Aadhaar, Salary Slip / ITR
How to Apply Online (3-Minute Process)
- Visit RBL Bank website
- Select IRCTC RBL RuPay → Apply Now
- Fill details & Video KYC
- Instant approval possible
- Card + ₹750 cashback in 7 days
Final Verdict – Should You Get It in 2025?
India ka best train travel card! 40% return on AC tickets + 8 railway lounges + LTF = ₹25,000+ savings/year. If you travel by train even 4–5 times a year — this card is a must-have!
Frequently Asked Questions (FAQs)
40% AC tickets pe sach mein?
Yes! 40 points per ₹100 = ₹40 back → 40% value.
Railway lounge free?
8 visits/year, sirf ₹2 nominal fee.
LTF confirmed?
100% – no fee ever.