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All fees, rewards, lounges, and milestones below are ready to be cloned into your portfolio with one click.
RBL
travel
•••• •••• •••• 0000
IRCTC
RuPayRBL Bank • RuPay•
Annual Fee
₹500
Base Reward Rate
0.13%
Foreign Tx Fee
3.5%
Tier
Joining Fee
₹500
Verified
2026-06-07T08:39:39.828Z
Domestic & international access details and eligibility criteria
✓ No activation spend required — access is unconditional.
Railway lounge access, 8 per year max, primary cardholder only
Estimate annual rewards based on your typical monthly spend
Annual earnings
₹1,170
Blended 0.19% effective return
Estimates use this card's best matching rule per category. Caps applied where known. Milestones not included.
Co-branded RBL Bank x IRCTC RuPay card. Reward redemption fee ₹99+GST (1 RP = ₹1 on IRCTC). Train cancellation insurance cover up to ₹5,000. UPI-enabled, NCMC offline wallet up to ₹2,000. 1% transaction charge waiver on IRCTC train bookings (up to ₹500/txn, max ₹200/month). Welcome benefit: 500 RP on ₹500 spend in first 30 days (one-time). No spend-based fee waiver.