IRCTC RBL Bank Credit Card

Features & Benefits of the IRCTC RBL Bank Credit Card

1. Welcome Benefits
   1. Just use your IRCTC RBL Bank credit card to make purchases totalling more than Rs.500 during the first 30 days of the card's issuance to receive a reward.
2. Rewards Program
   1. Unlock an unparalleled range of benefits with the IRCTC RBL Bank Credit Card at just an annual fee of Rs.500. Contribute towards travel, dining, and shopping purchases, which can help you reap rewards worth up to Rs.20,000 per annum — that is, more than 40 times the fee
   2. Utilise your reward points on IRCTC bookings in 1 Reward Point for Re.1.
   3. Your card takes you through the metro and bus stations for easier travel.
   4. Scan and pay for everything without needing cash.
   5. 8 free visits to lounges at railway stations (2 in a quarter) a year.
   6. Benefits of Rs. 5,000 for the last-minute cancellation of the train.
   7. Get 1% (up to Rs. 200) back on the transaction fees incurred for the booking of tickets through IRCTC using the card. The refund reflects in the next billing cycle.
   8. 5 Reward Points for every Rs.200 spent through the IRCTC website or app on purchases.
   9. 3 Reward Points for every Rs.200 on FASTag recharges or transit spending via RBL Bank channels.
   10. 2 Reward Points for every Rs.200 spent through the IRCTC platform.
   11. 1 Reward Point for every Rs.200 spent anywhere else.
   12. Unmatched travel benefits and unique savings with the IRCTC RBL Bank Credit Card.

IRCTC RBL Bank Credit Card Fees & Charges

Some fees and charges for the IRCTC RBL Bank Credit Card are mentioned below. For more details visit the bank’s website.

1. Joining Fee or Annual Fee: Rs. 500
2. Finance Charges: Up to 3.99% per month (47.88% per annum)
3. Late Payment Charges: 12.5% of the total outstanding balance, with a minimum of Rs. 5 and a maximum of Rs. 1,300

IRCTC RBL Bank Credit Card Eligibility Criteria

1. Age: 18 years and above
2. Occupation: Salaried or self-employed

Documents Required for RBL Bank Credit Cards

To apply for an RBL Bank Credit Card, you must submit documents proving your identity, address, and income. Below is the list of acceptable documents:

1. Proof of Identity: PAN Card, Aadhaar Card, Driver's License, Passport, Voter ID, Overseas Citizen of India Card, Person of Indian Origin Card, NREGA Job Card, letters issued by UIDAI, or any other government-approved photo ID.
2. Proof of Address: Aadhaar Card, Passport, Ration Card, Driver's License, Utility Bill (not older than three months), Property Registration Document, Person of Indian Origin Card, NREGA Job Card, Bank Account Statement, or any other government-approved address proof.
3. Proof of Income: One or two of the latest salary slips (not older than three months), the latest Form 16, or the last three months' bank statement.

Note: RBL Bank may request additional documents based on internal policies.

How to Apply for IRCTC RBL Bank Credit Card

You can apply for the IRCTC RBL Bank Credit Card either online or offline:

Online Application:

1. Step 1: Visit RBL Bank's official website and search for the IRCTC RBL Bank Credit Card, or use the direct link provided.
2. Step 2: Enter your name, as it appears on your Aadhaar Card, along with your date of birth, mobile number, email ID, gender, city and other required details.
3. Step 3: Click the 'Get OTP' button and then click the 'Submit' button.
4. Step 4: Follow the on-screen directions to complete the application process.
5. Step 5: Once completed, you will receive a confirmation message about your application status.

Offline Application:

1. Step 1: Visit your nearest RBL Bank branch with the required documents.
2. Step 2: Fill out the application form available at the branch.
3. Step 3: Submit the form and documents for verification.
4. Step 4: Upon successful verification, your application will be approved, and the IRCTC RBL Bank Credit Card will be delivered to you at your registered address.

Credit cards make payments easy for all expenses online and offline while offering various benefits

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