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

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.

▶︎ 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.

Cashback at various partners –
✔︎ 5% special cashback on a variety of partners including Amazon
– Shopping : Amazon || Amazon Prime || Big Basket || Grofers || Myntra || Furlenco
– Travel : Goibibo || MakeMyTrip || Ola
– Dining : Zomato || Swiggy
– Entertainment : Gaana || BookMyShow || PVR || Inox
– Health & Fitness : Fitternity
✔︎ 1% cashback on all other card spends
✔︎ Restrictions : Maximum ₹750 cashback given, per month

7% discount on domestic hotels || 4% discount on domestic flights - at Goibibo
– 7% discount (upto ₹5000 per month) on domestic hotels - at Goibibo
– 4% discount (upto ₹600 per month) on domestic flights - at Goibibo

5% discount (upto ₹300 per month) - at Tata CLiQ
– 5% discount at Tata CLiQ, on spends upto ₹6000 per month (since maximum discount is restricted to ₹300 per month)
– 5% discount is applicable only on orders above  ₹1000

Complimentary domestic airport lounge access – once per month

Complimentary rail lounge access – once per month

Complimentary 2-month Eazydiner Prime membership

Complimentary 6-month Mindhouse app subscription

Fuel surcharge waiver
– You get 1% fuel surcharge waiver only on fuel transactions upto ₹4000, and only at HPCL pumps

Benefits
– 5% cashback on a variety of partners including Amazon
– Hotel (7%) & flight (4%) discounts at Goibibo
– Complimentary domestic airport lounge access (once per month), and rail lounge access (once per month)
– Complimentary 2-month Eazydiner Prime membership, and complimentary 6-month Mindhouse app subscription

Drawbacks to consider
– You need to stick to select partners to enjoy cashback and discount benefits