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Fees & charges
Joining feeLifetime free
Annual feeLifetime free
Fee waiverNo fee waiver
Forex markup0%
Finance charge3.75% p.m. (45% p.a.)
Cash advance fee2.5% of the amount withdrawn or ₹500, whichever is higher
Late payment fee
| <=₹100 | Nil |
| ₹101 to ₹500 | ₹100 |
| ₹501 to ₹1,000 | ₹500 |
| ₹1,001 to ₹5,000 | ₹600 |
| ₹5,001 to ₹10,000 | ₹750 |
| ₹10,001 to ₹25,000 | ₹900 |
| ₹25,001 to ₹50,000 | ₹1100 |
| More than ₹50,000 | ₹1300 (excl. GST, w.e.f 1st Oct 2025) |
Rewards & Lounge access
Rewards5 Reward Points per Rs.100 on IRCTC ticketing website / Rail Connect App; additional 5% cashback on train ticket bookings via SmartBuy; 1% transaction charges waiver on IRCTC bookings
Lounge access8 complimentary accesses to select IRCTC executive lounges every year
NetworkRuPay
CategoryEntry
Card typeRetail
Key features
- 5 Reward Points per Rs.100 on IRCTC ticketing website / Rail Connect App; additional 5% cashback on train ticket bookings via SmartBuy; 1% transaction charges waiver on IRCTC bookings
- 8 complimentary accesses to select IRCTC executive lounges every year
- Welcome gift voucher worth Rs.500 on card activation (1 transaction within first 37 days)