IRCTC on RuPay Credit Card
Rs 500Annual fee
0Domestic lounge
3.5%Forex markup
Best for
Railway, IRCTC, Travel, Rupay, Low Fee
Top rewards
Eligible Railway Ticket Bookings On IRCTC: 10 Reward Points / ₹100 spent; Other Eligible Non-Fuel Retail Purchases: 1 Reward Point / ₹125 spent
IRCTC Credit Card
Rs 350Annual fee
0Domestic lounge
Domestic lounge conditions
- 4 complimentary partner railway lounge visits per year, limited to 1 per quarter
- The lounge benefit is for partner railway lounges only, not airport lounges, so loungeDomestic remains 0 to avoid mislabeling in airport-lounge UI.
3.5%Forex markup
Best for
IRCTC, Railway Lounge, Grocery, Departmental Stores, Travel
Top rewards
IRCTC Train Ticket Bookings (via IRCTC Website/App): Up to 40 reward points per ₹100; Grocery And Departmental Store Spends: 4 reward points per ₹100; Other Eligible Spends: 2 reward points per ₹100
| Feature | IRCTC on RuPay Credit Card | IRCTC Credit Card |
|---|---|---|
| Issuer | SBI Card | Bank of Baroda |
| Network | RuPay | RuPay |
| Joining fee | Rs 500 | Rs 500 |
| Annual fee | Rs 500 | Rs 350 |
| Reward type | Reward Points | Reward Points |
| Best for | Railway, IRCTC, Travel, Rupay, Low Fee | IRCTC, Railway Lounge, Grocery, Departmental Stores, Travel |
| Top reward categories | Eligible Railway Ticket Bookings On IRCTC: 10 Reward Points / ₹100 spent; Other Eligible Non-Fuel Retail Purchases: 1 Reward Point / ₹125 spent | IRCTC Train Ticket Bookings (via IRCTC Website/App): Up to 40 reward points per ₹100; Grocery And Departmental Store Spends: 4 reward points per ₹100; Other Eligible Spends: 2 reward points per ₹100 |
| SmartBuy / accelerated caps | Not Listed | Not Listed |
| Domestic lounge | 0 | 0 |
| International lounge | 0 | 0 |
| Forex markup | 3.5% | 3.5% |
| Milestone benefits | Not Listed | 1,000 bonus reward points on a single transaction of ₹1,000 or more within 45 days of card issuance |
| Redemption | Not Listed | Statement credit: upto ₹ 0.25 per point |
| Key exclusions | fuel, cash withdrawal, fees and charges, disputed transactions | fuel spends eligible for surcharge waiver do not earn reward points, IRCTC rewards require linking the card loyalty number with IRCTC login ID, taxes and charges excluded as per BOBCARD terms |