RBL Bank RuPay Credit

Lounge access

• IRCTC RuPay variant: 2 complimentary executive Railway Lounge accesses per calendar quarter at select railway lounges (Primary Cardholder only).
• Validation charge of ₹2 on RuPay Network / ₹25 on MasterCard Network.
• Includes 2 hours lounge stay, 1 buffet meal, tea/coffee, changing room, newspaper, magazine (facilities may vary).

Verified · Product Terms & Conditions – IRCTC RBL Bank RuPay Credit Card · 2026-08-04 · source

Forex markup

Foreign Currency Transaction / Dynamic & Static Conversion markup: 3.5% on all cards (2% on Nova; 1.5% on Insignia, Insignia Prime, World Xclusive and iGlobe; 0% on World Safari, World Safari Lite, World Safari Plus and Lumiere).

Verified · MITC – RBL Bank Credit Cards (covers RuPay) · 2026-08-04 · source

Charge

• Cash advance fee: 2.5% of cash amount withdrawn (min ₹500).
• Finance charges: up to 3.99% p.m. (47.88% p.a.).
• Category A (>775) 3.35% p.m., Category B (725-775) 3.85% p.m., Category C (<725) 3.99% p.m. Late Payment Fee: 12.5% of Total Outstanding Amount, ranges ₹5 - ₹1,300.
• Overlimit fee: NIL.
• Reward redemption fee: ₹99 + GST (waived for IRCTC Card on RBL Rewards Conversion >5000).
• Cheque return/dishonour fee: ₹500.
• Cash payment at RBL Bank branches: ₹100 + GST per transaction.
• Add-on card: ₹200 annual fee.
• Card replacement: NIL unless mentioned otherwise.
• Duplicate statement fee: NIL.
• Merchant EMI processing fee: 1.5% or ₹150 (whichever higher).
• Fee on rental transactions: 1%.
• Fee on utility spends: 1% on aggregate utility spends over ₹50,000/month.
• Fee on fuel & auto transactions: 1% on each transaction exceeding ₹10,000 (max ₹3000/txn).
• Fee on select education payments via third-party apps: 1%.
• Fee on FASTag loading/toll payment: 1% on transactions above ₹10,000 per transaction per card (w.e.f. January 07, 2026).
• GST at 18% on all fees & charges.

Verified · MITC – RBL Bank Credit Cards (covers RuPay) · 2026-08-04 · source

Interest-free period

• Up to 50 days interest-free (grace) period.
• Not applicable if previous month's balance is not cleared in full or if cash withdrawn from an ATM.

Verified · MITC – RBL Bank Credit Cards (covers RuPay) · 2026-08-04 · source

Fuel surcharge waiver

• Fuel Surcharge is levied by the Merchant Bank.
• RBL Bank debits the cost of fuel along with charges and taxes as instructed by the Merchant Bank at actual (no defined fuel surcharge waiver stated for this card).

Verified · MITC – RBL Bank Credit Cards (covers RuPay) · 2026-08-04 · source

Milestone benefit

IRCTC RBL Bank Credit Card: 500 Reward Points on calendar quarter spends of ₹75,000 (excluding defined exclusion categories, EMI transactions, cash withdrawals, fees, charges and GST).

Verified · Product Terms & Conditions – IRCTC RBL Bank RuPay Credit Card · 2026-08-04 · source

Redemption value

• IRCTC RuPay variant: Reward Points redeemable at value of ₹1 per Reward Point at IRCTC Website/App (via iPay at time of ticket booking).
• Reward redemption fee of ₹99 + GST applies on all cards (waived for certain premium/co-brand cards including IRCTC Credit Card for RBL Rewards Conversion >5000).

Verified · Product Terms & Conditions – IRCTC RBL Bank RuPay Credit Card · 2026-08-04 · source

Reward cap

Maximum 1000 reward points per month (one billing cycle) each on train ticket booking, FASTag Recharge, and flights/hotel ticket booking accelerated categories.

Verified · Product Terms & Conditions – IRCTC RBL Bank RuPay Credit Card · 2026-08-04 · source

Reward exclusion

Verified · Product Terms & Conditions – IRCTC RBL Bank RuPay Credit Card · 2026-08-04 · source

Travel benefit

• Train Cancellation Shield: complimentary protection coverage (ex-gratia) for confirmed/RAC bookings cancelled from IRCTC within 24 hours from actual departure time.
• Max 1 claim in 6 months, max 3 claim attempts in 6 months.
• Claim raised within 7 days of alternate journey completion.
• Only domestic train travel.
• One-way alternate ticket rebook eligible.
• Local/goods trains and unreserved/non-AC classes excluded.

Verified · Product Terms & Conditions – IRCTC RBL Bank RuPay Credit Card · 2026-08-04 · source

Insurance

• Select Credit Card variants offer complimentary insurance coverage for the Cardmember.
• Policy coverage starts from the date of Credit Card set up (refer Product Terms & Conditions for nominee/T&C details).

Verified · MITC – RBL Bank Credit Cards (covers RuPay) · 2026-08-04 · source

Statement credit

IRCTC RuPay variant: Waiver of 1% transaction charges on train ticket booking through IRCTC, applicable for transaction amount up to ₹5,000, capped at ₹200 per month (waiver reversed on ticket cancellation).

Verified · Product Terms & Conditions – IRCTC RBL Bank RuPay Credit Card · 2026-08-04 · source

Official terms

https://www.rbl.bank.in/rbl-bank-rupay-credit-card.

Verified · Product Terms & Conditions – IRCTC RBL Bank RuPay Credit Card · 2026-08-04 · source