Railway Booking Offers Credit Cards in India 2026

2% cashback on grocery purchases || department store purchases || utility bill payments – on purchases upto ₹2500 per month
– You get ₹2 (as cashback), on every ₹100 you spend in these categories
– This is valid only on purchases upto ₹2500 per month, since the maximum cashback at this rate is restricted to ₹50 per month

1% cashback on all other card spends, on spends upto ₹5000 per month
– You get ₹1 (as cashback), on every ₹100 you spend
– This is valid only on purchases upto ₹5000 per month, since the maximum cashback at this rate is restricted to ₹50 per month
.- Exceptions : No cashback is given on following card spends – fuel, rent and wallet loads.

Complimentary railway lounge access – 2 per quarter

Fuel surcharge waiver, upto ₹100 per month
– You get 1% fuel surcharge waiver on all fuel transactions between ₹400 and ₹5000 only, and
– On fuel purchases upto ₹10,000 per month, since the waiver amount is restricted to ₹100 per month
– Some fuel pumps may charge more than 1% surcharge, the monthly waiver would still be capped at ₹100 in all cases

Benefits
– Low annual fee of ₹199
– Low annual card spend requirement of ₹40,000, to get annual fee waiver from 2nd year onwards
– 2% cashback on grocery purchases, department store purchases, utility bill payments

Drawbacks
– Low monthly spend limit to earn 2% cashback on the 3 promotion categories (grocery purchases, department store purchases, utility bill payments)

1.50% cashback on offline card spends, on purchases upto ₹6,666 per month
– You get ₹1.50 (as cashback), on every ₹100 you spend in these categories
– This is valid only on purchases upto ₹6666 per month, since the maximum cashback at this rate is restricted to ₹100 per month

0.50% cashback on online card spends
– You get 2 reward points worth ₹0.50 (50 paise), on every ₹100 you spend
– 1 reward point = ₹0.25 (25 paise), and can be redeemed on AU Bank’s rewards redemption platform for vouchers, products, mobile recharges and more

0.25% cashback on the following spends – utility bills, rent, insurance, education & government category spends

Milestone benefit
– You get 500 bonus reward points worth ₹125, at monthly card spend of ₹20,000
– Fuel transactions and cash withdrawal transactions are excluded from this bonus reward points spends calculation

Complimentary railway lounge access – 2 per quarter

Fuel surcharge waiver, upto ₹150 per month
– You get 1% fuel surcharge waiver on all fuel transactions between ₹400 and ₹5000 only, and
– On fuel purchases upto ₹15,000 per month, since the waiver amount is restricted to ₹150 per month
– Some fuel pumps may charge more than 1% surcharge, the monthly waiver would still be capped at ₹150 in all cases

Benefits
– Complimentary railway lounge access
– 1.50% cashback on offline card spends

Drawbacks
– Reward rates on card spending are comparatively low

▶︎ 10.50% benefit on AC class rail ticket bookings on IRCTC – in non-peak season (between 15th Jan – 31st Mar, and 15th July – 15th Sep)
✔︎ 10% benefit
– You earn 40 reward points worth ₹10, on every ₹100 spent in this category
– This benefit is valid only for travel dates between 15th Jan – 31st Mar, and 15th July – 15th Sep
– 1 reward point = ₹0.25 (25 paise).
– Reward points will be given in your IRCTC account, on your linked loyalty number, within 5 days after completing eligible rail travel. 4 reward points = 1 IRCTC point = ₹1

Important terms and conditions on earning reward points-
– Reward points are given only on online rail bookings on IRCTC.
– Reward points are given only if you have linked your loyalty number with your IRCTC account (11 digit loyalty number is mentioned on the IRCTC BOB Card below cardholder name).
– Reward points are only given to the primary cardholder, in case the primary cardholder books tickets of family members also.

Important terms and conditions on redeeming reward points-
– You can redeem reward points only through your own IRCTC account
– You can redeem reward points only against full fare of the ticket, part redemption of points and balance payment from your card is not allowed.

✔︎ 0.50% benefit :
– You also also earn 2 reward points worth ₹0.50 (50 paise), on every ₹100 spent in this category
– 1 reward point = ₹0.25 (25 paise), and can be redeemed as cashback.

▶︎ 4.50% benefit on AC class rail ticket bookings on IRCTC – in peak season (between 1st April – 14th July, and 16th Sep – 14th Jan)
✔︎ 4% benefit
– You earn 16 reward points worth ₹4, on every ₹100 spent in this category
– This benefit is valid only for travel dates between 1st April – 14th July, and 16th Sep – 14th Jan
– 1 reward point = ₹0.25 (25 paise).
– Reward points will be given in your IRCTC account, on your linked loyalty number, within 5 days after completing eligible rail travel. 4 reward points = 1 IRCTC point = ₹1
– Important terms and conditions, and redemption process : same as given in section above.

✔︎ 0.50% benefit :
– You also also earn 2 reward points worth ₹0.50 (50 paise), on every ₹100 spent in this category
– 1 reward point = ₹0.25 (25 paise), and can be redeemed as cashback.

▶︎ 1% benefit on grocery and department store purchases
– You earn 4 reward points worth ₹1, on every ₹100 you spend in this category.
– 1 reward point = ₹0.25 (25 paise), and can be redeemed as cashback.

▶︎ 0.50% benefit on all other card spends, including UPI spends
– You earn 2 reward points worth ₹0.50 or 50 paise, on every ₹100 you spend on all other spends.
– 1 reward point = ₹0.25 (25 paise), and can be redeemed as cashback.
Note – You can earn a maximum of 500 reward points on UPI spends, per monthly card statement cycle.

▶︎ Complimentary railway lounge access – 1 per quarter

▶︎ 1% transaction charges waiver – on railway ticket bookings on IRCTC

▶︎ 1% fuel surcharge waiver, upto ₹100 per month :
– You get 1% fuel surcharge waiver at all fuel stations across India
– Only on fuel transactions between ₹500 and ₹3000, and
– Only on upto ₹10,000 fuel spend per month, since the maximum waiver is capped at ₹100 per monthly card statement cycle

Benefits
– Good benefit rate of upto 10.50% on AC railway tickets – 10.50% in non-peak season, and 4.50% in peak season.
– Complimentary access to railway lounges – once per quarter.

Drawbacks to consider
– Benefit rate on non-railway spends is low, hence you may need to look at other credit cards also to earn good rewards on your other spends like shopping, fuel, bill payments etc.
– There is no discount on non-AC rail tickets.

10% benefit on railway ticket purchases upto ₹20,000 per month
✔︎ 5% benefit on railway tickets – on IRCTC ticketing website and IRCTC Rail Connect App
You get 5 reward points worth ₹5, on every ₹100 you spend on railway ticket bookings on IRCTC website and app – only on bookings upto ₹20,000 per month (since the maximum reward points you can earn at this accelerated rate is restricted to 1000 reward points per month).
– 1 reward point = ₹1, and can be redeemed on HDFC Smartbuy platform for railway ticket bookings.
– Reward points are valid for 2 years from date of earning.
✔︎ Additional 5% cashback on rail ticket booking through HDFC Smartbuy
You earn ₹5 cashback, on rail ticket purchases on HDFC Smartbuy – only on ticket purchase/s upto ₹20,000 per month (since monthly cashback is capped at ₹1000 per month).

1% benefit on UPI spends
– You can link your card in select UPI apps only (PayZapp/ GPay/ PhonePe/ Mobikwik/ PayTM/ BHIM/ Slice).
– You get 1 reward point worth ₹1, on every ₹100 you spend on UPI payments – only on UPI payments upto ₹50,000 per month (since you can earn a maximum of 500 reward points per calendar month on UPI spends).

1% basic benefit on all other card spends
– You get 1 reward point worth ₹1, on every ₹100 you spend on all other card purchases.
– 1 reward point = ₹1, and can be redeemed on HDFC Smartbuy platform for railway ticket bookings.
Exceptions : No reward points are given on fuel purchases, rent payments, government-related transactions, education transactions, wallet loads /gift or prepaid card load/ voucher purchase, EMI transactions, payment of card fees and other charges, payment of outstanding balances, cash advances.

Quarterly milestone benefit of upto 1.6%
– You get a gift voucher worth ₹500, upon spending ₹30,000 or more every 90 days.
Note : Cash transactions, dial-an- EMI, cash-on-call, balance transfer, card account fee, personal loan on credit card, etc will not be considered as eligible spends for this offer.

Complimentary access to railway lounges in India – 2 per quarter

1% transaction charges waiver – on IRCTC ticketing website and Rail Connect App
- You get a 1% transaction charges waiver on IRCTC website and app, only on spends upto ₹1 lakh per month (since the maximum waiver amount is restricted to ₹1000 per monthly card statement cycle).

Fuel surcharge waiver, upto ₹250 per month
– You get 1% fuel surcharge waiver
– only on fuel transactions between ₹400 and ₹5000
– only on yearly fuel purchases of upto ₹25000 per month (since the maximum waiver amount is limited to ₹250 per monthly card statement cycle).

Benefits
– Good card for rail travellers – 10% benefit on rail tickets
– Other rail travel related benefits like complimentary access to railway lounges and 1% transaction waiver on IRCTC
– 1% benefit on UPI spends

Drawbacks to consider
– This is a specialist rail travel card, hence reward rate on non-railway spends is low. So you may need to consider other cards for your other major spending needs like shopping, non-rail travel, fuel, bill payments etc

10.80% benefit on AC class rail ticket bookings on IRCTC (in non-peak season)
✔︎ 10% benefit
– You earn 10 reward points worth ₹10, on every ₹100 spent in this category
– This benefit is valid only for travel dates between 15th Jan – 31st Mar, and 15th July – 15th Sep
✔︎ 0.80% benefit
– You also earn 0.80 reward points worth ₹0.80 (80 paise), on every ₹100 you spend on railway tickets.
(1 reward point = ₹1, and can be redeemed for rail ticket bookings on IRCTC).

4.80% benefit on AC class rail ticket bookings on IRCTC (in peak season)
✔︎ 4% benefit
– You earn 4 reward points worth ₹4, on every ₹100 spent in this category
– This benefit is valid for travel dates between 1st April – 14th July, and 16th Sep – 14th Jan
✔︎ 0.80% benefit
– You also also earn 0.80 reward points worth ₹0.80 (80 paise), on every ₹100 you spend on railway tickets
(1 reward point = ₹1, and can be redeemed for rail ticket bookings on IRCTC).

0.80% benefit on all other card spends
– You earn 0.80 reward points worth ₹0.80 or 80 paise, on every ₹100 you spend on all other purchases (excluding fuel).
– 1 reward point = ₹1, and can be redeemed for rail ticket bookings on IRCTC.

Complimentary railway lounge access – 1 per quarter

1% transaction charges waiver – on railway ticket bookings on www.irctc.co.in

Fuel surcharge waiver, upto ₹100 per month : You get a 1% fuel surcharge waiver at all fuel stations across India-
– Only on fuel transactions between ₹500 and ₹3000, and
– Only on fuel spends upto ₹10,000 per month (since the maximum waiver is capped at ₹100 per monthly card statement cycle)

Benefits
– Good benefit of upto 10.80% on AC class railway tickets – 10.80% in non-peak season, and 4.80% in peak season.
– Complimentary access to railway lounges – once per quarter.

Drawbacks to consider
– You need to consider other cards to earn higher rewards on non-railway spends
– No discount on non-AC rail tickets.

5% cashback on various spends at Paytm – Prepaid recharges || Utility bill payments || Movie tickets || Mini App
– You earn 5 cashpoints worth ₹5, on every ₹100 you spend on these Paytm transactions – only on spends upto ₹30000 per month (since maximum cashback at this special rate is restricted to ₹1500 per month)
– 1 cashpoint = ₹1. Cashpoints can be redeemed as cashback against your card statement.

3% cashback on select partners – Swiggy || AJIO || Big Basket || Uber
– You earn 3 cashpoints worth ₹3, on every ₹100 you spend at these select partners – only on spends upto ₹16,666 per month (since maximum cashback at this special rate is restricted to ₹500 per month).
– 1 cashpoint = ₹1. Cashpoints can be redeemed as cashback against your card statement.

1% cashback on all other spends
– You earn 1 cashpoints worth ₹1, on every ₹100 you spend on all other transactions – only on spends upto ₹1,00,000 per month (since maximum cashback is restricted to ₹1,000 per month)
– Exceptions – Cashback is not given on wallet loads, fuel spends, EMI spends, rental spends and government spends.
– 1 cashpoint = ₹1. Cashpoints can be redeemed as cashback against your card statement.

Milestone benefit – additional benefit upto 1%, on quarterly card spend of ₹50,000
– You earn ₹500 upon spending ₹50,000 or more on your card each quarter (only for non-EMI, non-wallet and non-rental card spends).

Complimentary domestic airport lounge access – 2 per quarter

Fuel surcharge waiver at all fuel stations, upto ₹500 per month
– Only on fuel transactions between ₹400 and ₹5000, and
– Only on fuel purchases upto ₹50000 per month, since the maximum waiver is limited to ₹500 per month

Benefits
– Good card for Paytm users, you get good cashback on various Paytm spends
– You also get higher cashback on select partners
– Complimentary domestic airport lounge access – 2 per quarter

Drawbacks to consider
– Not a good card for other major spending needs like shopping, fuel etc.

5% cashback on following Paytm spends - travel bookings (flights, train & bus) || movie tickets || shopping at Paytm Mall
- You earn ₹5 cashback, on every ₹100 you spend in these categories (no limit on cashback)

2% special cashback on all other Paytm spends 
- You earn ₹2 cashback, on every ₹100 you spend on all other Paytm transaction (no limit on cashback)

1% cashback on all other spends (non-Paytm spends) 
– You earn ₹1 cashback, on every ₹100 you spend on all other transactions (no limit on cashback)
– Exception : No cashback is given on rent transactions, wallet loads and fuel purchases.

Cashback is credited as Paytm vouchers, in your Paytm Wallet

Upto 0.6% additional benefit at certain yearly spend targets (milestone benefits)
– You earn ₹2000 (in gift vouchers), at ₹4 lakhs yearly card spend
– You earn ₹4000 (in gift vouchers), at ₹6 lakhs yearly card spend
(You can choose between gift vouchers of Hush Puppies/Bata OR Pantaloons)

Complimentary access to airport lounges in India - 1 time per quarter 

Free Priority Pass membership worth US $99, for international airport lounges 
– You get free Priority Pass membership for the first 2 years
– While the Priority Pass membership is free, you need to pay for each visit to the lounge (US $32 per visit, please refer to Priority Pass website to get latest charges)

Complimentary cyber fraud insurance of ₹2 lakhs - to protect against unauthorized transactions on your credit card, giving you peace of mind

1% fuel surcharge waiver at all fuel stations, upto ₹250 per month
– Only on fuel transactions between ₹400 and ₹5000, and
– Only on fuel purchases upto ₹25000 per month, since the maximum waiver is restricted to ₹250 per monthly card statement cycle

Benefits :
– Good card for Paytm users – since you get upto 5% cashback on a variety of spends, plus milestone related benefits
– Airport lounge benefits

Drawbacks to consider :
– You need to consider other cards to earn higher rewards on non-Paytm purchases
– Not a good card for people who prefer in-store shopping, and do not like online shopping

10% discount (upto ₹1000) on flight bookings on ixigo – once per month
– You get a 10% discount on ixigo flight bookings, on flight bookings upto ₹10,000 (since the maximum discount is restricted to ₹1000), once per month.
– On bookings above ₹10,000, your discount percentage will fall below 10%.
– You can avail this discount once per month.

10% discount (upto ₹1000) on hotel bookings on ixigo – once per month
– You get a 10% discount on ixigo hotel bookings, on hotel bookings upto ₹10,000 (since the maximum discount is restricted to ₹1000), once per month.
– On bookings above ₹10,000, your discount percentage will fall below 10%.
– You can avail this discount once per month.

10% discount (upto ₹300) on bus bookings on ixigo – once per month
– You get a 10% discount on ixigo bus bookings, on bus bookings upto ₹3000 (since the maximum discount is restricted to ₹300), once per month.
– On bookings above ₹3000, your discount percentage will fall below 10%.
– You can avail this discount once per month.

2.50% benefit on train bookings on ixigo
– You earn 10 reward points worth ₹2.50, on every ₹100 you spend on train bookings on ixigo.
– 1 reward points = upto ₹0.25 (25 paise), and can be redeemed for flights & bookings, mobile/DTH recharge, vouchers, products and more.

Waiver of Payment Gateway (PG) charges on train bookings – 2 times per month

1.25% benefit on all online card spends
– You earn 5 reward points worth ₹1.25, on every ₹100 you spend on all online purchases.
– 1 reward points = upto ₹0.25 (25 paise), and can be redeemed for flights & bookings, mobile/DTH recharge, vouchers, products and more.
– Reward points are not given on fuel and rent transactions, insurance, jewelry, and wallet spends.

0.62% benefit on all offline card spends
– You earn 2.50 reward points worth ₹0.62 (62 paise), on every ₹100 you spend on all offline purchases.
– 1 reward points = upto ₹0.25 (25 paise), and can be redeemed for flights & bookings, mobile/DTH recharge, vouchers, products and more.
– Reward points are not given on fuel and rent transactions, insurance, jewelry, and wallet spends.

Complimentary access to international airport lounges – once per year

Complimentary access to domestic airport & railway lounges – 16 times per year

No fee (forex markup) on international transactions

Fuel surcharge waiver : You get a 1% fuel surcharge waiver on all fuel transactions between ₹400 and ₹5000, at all fuel stations across India.

Card liability cover upto ₹1.50 lakhs
– You carry zero liability for any credit card fraudulent transactions, after reporting its loss to the bank, with coverage extending up to ₹1.5 lakhs.
– You are also protected against card counterfeit/skimming and online frauds.

Benefits
– Attractive discounts on various kinds of travel bookings on ixigo
– Complimentary airport & railway lounge access

Drawbacks to consider
– You are restricted to ixigo platform, to earn these attractive travel rewards
– You may need to look at other cards to earn rewards on your other major spends like shopping etc.