Best card for
Best credit card for IRCTC (train tickets)
Which card to use for IRCTC (train tickets) in India - all 187 cards ranked
by what you actually get back on ₹2,000, after caps, exclusions and fees.
Top cardson ₹2,000
1
IRCTC SBI Card
Pay directly · 10% value back on IRCTC AC bookings
sbicard.com · 20 Aug 2026
₹200
10%
2
Axis Burgundy Private
Pay directly
axis.bank.in · 21 Aug 2026
₹128
150 pts · 6.38%
3
IRCTC SBI Card Premier
Pay directly · 5 pts / Rs 125 on IRCTC's own Air and e-catering bookings · cap 750 Reward Points per monthly statement cycle (air ticket bookings only)
sbicard.com · 2 Oct 2026
₹80
80 pts · 4%
4
IRCTC BOBCARD
Pay directly · 16 pts / Rs 100 on IRCTC train ticket bookings via site or app
bobcard.co.in · 25 Sep 2026
₹80
320 pts · 4%
5
Axis Magnus for Burgundy
Pay directly · Spend-tiered: 12 ERP/₹200 up to ₹1.5L/month, then 35 ERP/₹200 above · cap 12 ERP/₹200 to ₹1.5L/month, then 35 ERP/₹200 (bank-capped at credit limit + ₹1.5L spends/month)
axis.bank.in · 22 Aug 2026
₹72
120 pts · 3.6%
6
HDFC Infinia Metal
Pay directly
hdfcbank.com · 20 Aug 2026
₹65
65 pts · 3.25%
7
HDFC Diners Club Black Metal
Pay directly
hdfcbank.com · 20 Aug 2026
₹65
65 pts · 3.25%
8
Biz Black Metal Edition Credit Card
Pay directly
hdfc.bank.in · 2 Oct 2026
₹65
65 pts · 3.25%
9
SC Ultimate
Pay directly
sc.com · 22 Aug 2026
₹65
65 pts · 3.25%
10
Gaj
Pay directly
idfcfirst.bank.in · 30 Sep 2026
₹65
65 pts · 3.25%
Best with no annual fee3
1
Kotak Solitaire Credit Card
Pay directly
kotak.bank.in · 30 Sep 2026
₹60
60 pts · 3%
2
Scapia (Federal Bank)
Pay directly
federal.bank.in · 20 Aug 2026
₹40
200 pts · 2%
3
Pinnacle Credit Card
Pay directly · 2.5 pts / Rs 100 on e-commerce transactions
indusind.bank.in · 30 Sep 2026
₹38
50 pts · 1.88%
Best if you pay directly3
1
IRCTC SBI Card
Pay directly · 10% value back on IRCTC AC bookings
sbicard.com · 20 Aug 2026
₹200
10%
2
Axis Burgundy Private
Pay directly
axis.bank.in · 21 Aug 2026
₹128
150 pts · 6.38%
3
IRCTC SBI Card Premier
Pay directly · 5 pts / Rs 125 on IRCTC's own Air and e-catering bookings · cap 750 Reward Points per monthly statement cycle (air ticket bookings only)
sbicard.com · 2 Oct 2026
₹80
80 pts · 4%
Cards that earn nothing here23
SBI Cashback Card
Railways excluded.
sbicard.com · 22 Aug 2026
Kotak White
Transportation MCCs excluded from White Pass milestone spends effective 1 Apr 2026.
kotak.bank.in · 22 Aug 2026
IndianOil RBL XTra
Railways earn nothing (bank also lists code 0066).
webassets.rbl.bank.in · 22 Aug 2026
RBL Play (BookMyShow)
Railways excluded.
webassets.rbl.bank.in · 22 Aug 2026
YES Bank Marquee
Railways earn nothing (Jun 2026 bank notice MCC list).
yes.bank.in · 20 Aug 2026
BOBCARD Eterna
Transportation earns nothing.
media.bobcard.co.in · 22 Aug 2026
ELITE+
No reward points on railway spends (from 15 Jun 2026).
yes.bank.in · 25 Sep 2026
Premier
Spends on select MCCs (agriculture, contractors, passenger transport/toll/rail, rent, cleaning/personal-care services, government, education, hospitals, wallets, supermarkets/retail stores, insurance, charity, fast food) do not earn reward points, per BOBCARD's Annexure 1 MCC list.
media.bobcard.co.in · 30 Sep 2026
Select
Spends on select MCCs (agriculture, contractors, passenger transport/toll/rail, rent, cleaning/personal-care services, government, education, hospitals, wallets, supermarkets/retail stores, insurance, charity, fast food) do not earn reward points, per BOBCARD's Annexure 1 MCC list.
media.bobcard.co.in · 30 Sep 2026
Easy
Spends on select MCCs (agriculture, contractors, passenger transport/toll/rail, rent, cleaning/personal-care services, government, education, hospitals, wallets, supermarkets/retail stores, insurance, charity, fast food) do not earn reward points, per BOBCARD's Annexure 1 MCC list.
media.bobcard.co.in · 30 Sep 2026
Snapdeal BOBCARD
Spends on select MCCs (agriculture, contractors, passenger transport/toll/rail, rent, cleaning/personal-care services, government, education, hospitals, wallets, supermarkets/retail stores, insurance, charity, fast food) do not earn reward points, per BOBCARD's Annexure 1 MCC list.
media.bobcard.co.in · 30 Sep 2026
Cashback
Spends on select MCCs (agriculture, contractors, passenger transport/toll/rail, rent, cleaning/personal-care services, government, education, hospitals, wallets, supermarkets/retail stores, insurance, charity, fast food) do not earn reward points, per BOBCARD's Annexure 1 MCC list.
media.bobcard.co.in · 30 Sep 2026
Tiara
Spends on select MCCs (agriculture, contractors, passenger transport/toll/rail, rent, cleaning/personal-care services, government, education, hospitals, wallets, supermarkets/retail stores, insurance, charity, fast food) do not earn reward points, per BOBCARD's Annexure 1 MCC list.
media.bobcard.co.in · 30 Sep 2026
HPCL Energie
Spends on select MCCs (agriculture, contractors, passenger transport/toll/rail, rent, cleaning/personal-care services, government, education, hospitals, wallets, supermarkets/retail stores, insurance, charity, fast food) do not earn reward points, per BOBCARD's Annexure 1 MCC list.
media.bobcard.co.in · 30 Sep 2026
Prime
Spends on select MCCs (agriculture, contractors, passenger transport/toll/rail, rent, cleaning/personal-care services, government, education, hospitals, wallets, supermarkets/retail stores, insurance, charity, fast food) do not earn reward points, per BOBCARD's Annexure 1 MCC list.
media.bobcard.co.in · 30 Sep 2026
Paisabazaar Paisaback
Bank's printed exclusion list: EMI, Utility, Fuel, Insurance, Rent, Wallet, Education, Jewellery, Govt services, Hospitals, Toll, Telecom equipment, Railways, Automotive shops. Hospitals, telecom equipment sales and automotive shops don't map cleanly to our category taxonomy and are omitted from the structured list above but are included in this note verbatim from the bank.
federal.bank.in · 1 Oct 2026
Samman RuPay Credit Card
No cashback on fuel and railway transactions.
indusind.bank.in · 1 Oct 2026
Imperium Platinum Credit Card
IDBI Bank Delight Points are not earned on these Merchant Category Codes, per the Credit Card MITC.
idbibank.in · 1 Oct 2026
CUB Kavach RuPay Credit Card
Base rewards exclude low interchange categories: Railways, Fuel, Rent, Government Services, Insurance, Education, contracted services, Agriculture, Transportation & transit and Telecom; transactions under Rs 2,000 at small offline merchants are also excluded.
cityunionbank.bank.in · 2 Oct 2026
CUB Kavach Master Credit Card
Base rewards exclude low interchange categories: Railways, Fuel, Rent, Government Services, Insurance, Education, contracted services, Agriculture, Transportation & transit and Telecom; transactions under Rs 2,000 at small offline merchants are also excluded.
cityunionbank.bank.in · 2 Oct 2026
Eternal Credit Card
Railway transactions do not earn cashback
utkarsh.bank.in · 4 Oct 2026
Rhodium Credit Card
Railway transactions do not earn cashback
utkarsh.bank.in · 4 Oct 2026
SmartGen Credit Card
Railway transactions do not earn cashback
utkarsh.bank.in · 4 Oct 2026
Questions
Which credit card is best for IRCTC (train tickets)?
IRCTC SBI Card is the best card for IRCTC (train tickets). It nets ₹200 on a ₹2,000 spend. Pay directly.
Which cards give nothing on IRCTC (train tickets)?
23 of the cards we track earn nothing on IRCTC (train tickets), including SBI Cashback Card, Kotak White, IndianOil RBL XTra, RBL Play (BookMyShow), YES Bank Marquee and 18 more.
Is a gift voucher better than paying directly for IRCTC (train tickets)?
No voucher route earns more here. Pay directly with IRCTC SBI Card for ₹200 on ₹2,000.