Rupay Credit Cards with IRCTC Railway Lounge Access Offers in India 2026

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.

▶︎ 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.