IRCTC Ticket Booking: In response to the demand for contactless payment options when purchasing railway train tickets, a number of financial institutions have introduced enticing promotions on credit cards that encompass a multitude of advantages. As a result of the initiatives undertaken by Indian banks, individuals have begun to favor purchasing railway tickets with a credit card in order to obtain supplementary advantages such as discounted rates, cashback, rewards, complimentary items, access to railway lounges, and more.
Thousands of individuals traverse the nation of India daily via train. Additionally, if you intend to travel by train, you should determine which credit card offers the greatest perks.
We have compiled a list of the top credit cards from Indian institutions that are suitable for purchasing IRCTC railway tickets in this article (based on RBI data on credit cards outstanding as of September 2023). It is worth noting that banks are currently providing consumers with enticing credit card offers when they use their cards to purchase train tickets.
Bank of HDFC Credit Card:
The IRCTC HDFC Bank Credit Card is renowned for enabling convenient, expeditious, and protected in-store transactions.
IRCTC provides reward points as an incentive for using an HDFC Bank Credit Card. For every Rs 100 spent on a ticket booking website or Railway Connect app using this card, you will earn 5 reward points. Furthermore, customers are eligible to receive 5% compensation and a 1% discount on all transactions.
A yearly maintenance charge of Rs 500 is also applicable to this card. Annual expenditures in excess of Rs 1,50,000 are exempt from the renewal fee.
Bank of State of India:
Within forty-five days of card issuance, the IRCTC SBI Platinum Card provides an activation incentive of 350 reward points for a single transaction of Rs. 500 or more. When railway tickets are purchased through irctc.co.in, a 1% reduction in transaction charges is applicable. Additionally, this card grants you entry to the railway lounge. A maximum of four railway lounges per year are available to cardholders at affiliated lounges in India.
The Bank Baroda
IRCTC BoB RuPay Credit Card customers who spend Rs 100 or more on tickets purchased through the IRCTC website or mobile application receive a 40% discount. You will be required to pay an annual charge of Rs 350 for this card. A single transaction of Rs 1000 on this card is eligible to earn you Rs 1000 in additional reward points.