IRCTC RBL Bank Credit Card

Not rated yet - COFFER rates a card only after reading every document the bank publishes for it. How we rate

Open to new applications · Earns Reward Point

Annual fee

₹500 a year.

What it gives back

1 Reward Point per ₹200 · everyday spends

Read from 5 RBL Bank documents, last checked 1 Nov 2026.

Our calculation

0.5% value back

Every ₹1,00,000 spent at this rate earns about 500 points, worth about ₹500 at the value RBL Bank states for a point.

RBL Bank's rate: “1 Reward Point per ₹200 spent everywhere” Proof

The bank’s words

“Earn 1 Reward Point per INR 200 spent everywhere from the things you love!”

RBL Bank's point value: “1 Reward Point = INR 1.” Proof

The bank’s words

“1 Reward Point = INR 1.”

How it compares

Compared with the cards we have read

₹500 annual fee: of the 401 other open cards whose annual fee we have read, 182 state a lower one, 30 state the same and 189 state a higher one.

3.5% forex markup: of the 441 other open cards whose forex markup we have read, 146 state a lower one and 295 state the same.

0.5% value back by our calculation: of the 58 other open cards we can work this out for, 24 return less, 23 return the same and 11 return more.

Fees

Rewards

Reward rate
1 Reward Point per ₹200 · everyday spends1 Reward Point per ₹200 spent everywhere.
Travel earning
5 Reward Points per ₹200 spent on train ticket bookings through the IRCTC website or App.
Reward exclusions
Note: Purchases made under below mentioned merchant categories will be excluded from reward point benefit and quarterly milestone benefit: Fuel & Auto, Utilities, Insurance, Quasi-Cash, Real Estate/Rental
What one reward unit is worth
1 Reward Point = ₹1.

Charges

Forex markup
3.5% on foreign currency transactions.
Cash advance fee
2.5% of the cash amount withdrawn, minimum ₹500
Interest on unpaid balance
Up to 3.99% p.m. (47.88% p.a.)
Interest-free period
Up to 50 days
Late payment fee
12.5% of the total outstanding amount, ranging from ₹5 to ₹1,300.

Eligibility

How we know - 5 documents from RBL Bank, checked 1 Nov 2026

5 documents from RBL Bank, checked 1 Nov 2026.

On these lists

₹500 a year

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