Nowadays most people use credit cards. Most banks now provide credit cards for booking travel tickets or railway special benefits. Apart from this, several extra rewards or cashback are available by booking a Travel Ticket using a credit card. In this post, we will review the Top 5 Best Credit Card for Booking Railway Train Tickets in 2024.
Best Railway Ticket Booking Credit Cards List
There are various cards for booking Railway Train Tickets. Today we Are discussing the top 5 Best Credit cards and Their benefits and ratings. Check out the list below.
- IRCTC Rupay SBI Card
- IRCTC SBI Card Premier
- IRCTC SBI Platinum Card
- Kotak Credit Cards
- IRCTC BoB RuPay Credit Card
IRCTC Rupay SBI Card Benefits
Get 350 activation bonus Reward Points on a single transaction of Rs. 500 or more within 45 days of card issuance. Fuel and Cash spend are not included.
Benefits
- Save 1% transaction charges on railway ticket bookings on www.irctc.co.in
- Buy tickets through irctc.co.in and IRCTC Mobile App (for Android only) for AC1, AC2, AC3 and AC CC and earn up to 10% Value Back as Reward Points
- Earn 1 Reward point for every Rs. 125 spent on non-fuel retail purchases, including railway ticket purchases at www.irctc.co.in and IRCTC Mobile App (Android only)
- Enjoy 4 complimentary railway lounge access in a year to participating lounges in India (Max 1 per quarter)
- Enjoy freedom from paying the 1% fuel surcharge across all petrol pumps in India, on transactions of Rs. 500 – Rs. 3,000, exclusive of GST and other charges
Rating / Review Score
⭐⭐⭐⭐Rating: 3.5 out of 5.
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IRCTC SBI Card Premier Benefits
Get 1500 Reward Points equivalent to INR 1500 on payment of first annual fee (1 Reward Point= ₹ 1)
Benefits
- Save 1% transaction charges on railway ticket bookings on www.irctc.co.in
- Save 1.8% transaction charges on airline ticket bookings on www.air.irctc.co.in
- 10% Value Back on AC1, AC2, AC3, AC CC as Reward Points for your ticket purchase on www.irctc.co.in and IRCTC Mobile App (for Android only)
- Earn 3 Reward Points per 125 spent on Dining and standing instructions on Utility spends
- Earn 1 Reward Point per 125 spent on other non-fuel retail purchases
- Enjoy 8 complimentary railway lounge access in a year to participating lounges in India (Max 2 per quarter)
- Complimentary Rail Accident Insurance of INR 10 Lakhs
- Enjoy freedom from paying the 1% fuel surcharge across all petrol pumps in India, on transactions of Rs. 500 – Rs. 4,000, exclusive of GST and other charges
Rating / Review Score
⭐⭐⭐⭐⭐
Rating: 5 out of 5.
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IRCTC SBI Platinum Card Benefits
Get 350 activation bonus Reward Points on single transaction of Rs. 500 or more within 45 days of card issuance. Fuel and Cash spend are not included.
Benefits
- Save 1% transaction charges on railway ticket bookings on www.irctc.co.in
- Buy tickets through irctc.co.in and IRCTC Mobile App (for Android only) for AC1, AC2, AC3 and AC CC and earn up to 10% Value Back as Reward Points
Earn 1 Reward point for every Rs. 125 spent on non-fuel retail purchases, including railway ticket purchases at www.irctc.co.in and IRCTC Mobile App (Android only)
Enjoy 4 complimentary railway lounge access in a year to participating lounges in India (Max 1 per quarter)
Enjoy freedom from paying the 1% fuel surcharge across all petrol pumps in India, on transactions of Rs. 500 – Rs. 3,000, exclusive of GST and other charges
Rating / Review Score
⭐⭐⭐⭐Rating: 3.5 out of 5.
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Kotak Credit Card Benefits
You will get bonus reward points on activation every month. If you spend minimum Rs 1000 every month, you would be eligible for 6400 reward points for that quarter. E.g. You spend Rs. 1000 in April, May and June, you will get 6400 extra reward points in the month of July. Crediting of reward points in lieu of 4 PVR tickets is an interim change in the feature of the card
Benefits
- Railway Surcharge Waiver: Get 1.8% to 2.5% railway surcharge waiver when you book a ticket on www.irctc.co.in or through an Indian Railways booking counter* *Maximum railway surcharge waiver allowed in a calendar year is Rs 500
- Get 2 complimentary visits every quarter to Dream Folks Lounges only in India. Enjoy benefits such as gourmet meal, comfortable seating, widescreen TVs, newspapers and magazines, and free Wi-Fi.
- On the Paid plan, You will get bonus reward points on activation every month. If you spend a minimum Rs 1000 every month, you would be eligible for 6400 reward points for that quarter. E.g. You spend Rs. 1000 in April, May and June, you will get 6400 extra reward points in the month of July. Crediting of reward points in lieu of 4 PVR tickets is an interim change in the feature of the card
Rating / Review Score
⭐⭐Rating: 2 out of 5.
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IRCTC BoB RuPay Credit Card Benefits
Earn 1000 bonus reward points on single transaction of ₹1000 or more within 45 days of card issuance
Benefits
- Upto 40 Reward Points per Rs 100 for ticket bookings on IRCTC Website and Mobile App on linking your Bank of Baroda IRCTC Credit Card Loaylty Number with your IRCTC Profile
- 4 BoB Rewards point = 1 IRCTC Travel Point
- 2 reward points for every ₹100 spent on any other category including train ticket purchases on IRCTC Website and Mobile App
- 1% Fuel Surcharge waived off on all fuel transactions between ₹500-₹3000. (Maximum waiver of ₹100 per statement)
- Enjoy 4 complimentary railway lounge access in a year to participating lounges in India (Max 1 per quarter)
Rating / Review Score
⭐⭐⭐Rating: 2.5 out of 5.
Visit BoB Credit Cards and Redeem Your Benefits
Disclaimer
We only give you credit card suggestions for travel or train ticket booking. Which credit card you use is up to you. Before taking advantage of any of the credit cards shown by us, first visit the official website of that card, check the benefits of that card and then you take that card. The website owner shall not be liable for any errors or typing mistakes in the card offers displayed by us.