CardAgent

Best credit cards for IRCTC train bookings (2026)

Cards ranked by IRCTC earning rate, with IRCTC-specific perks like railway lounge access and reduced convenience fees called out.

  1. 1
    SBI Card
    SBI Air India Signature Credit Card
    7.5% on IRCTC train bookings₹1,770/yr incl. GST
    Up to 30 Reward Points per Rs 100 spent on Air India tickets booked through airindia.com
    41
  2. 2
    Axis Bank
    Axis Reserve Credit Card
    7.5% on IRCTC train bookings₹59,000/yr incl. GST
    2X points on international card spending
    22
  3. 3
    HDFC Bank
    Swiggy HDFC Bank Credit Card
    5% on IRCTC train bookings₹590/yr incl. GST
    2% travel (estimated)
    88
  4. 4
    HDFC Bank
    HDFC 6E Rewards XL Indigo Credit Card
    5% on IRCTC train bookings₹1,770/yr incl. GST
    58
  5. 5
    Axis Bank
    Flipkart Axis Bank Credit Card
    5% on IRCTC train bookings₹590/yr incl. GST
    2% travel (estimated)
    58
  6. 6
    ICICI Bank
    ICICI Adani One Signature Credit Card
    5% on IRCTC train bookings₹5,900/yr incl. GST
    37
  7. 7
    Federal Bank
    Federal Bank Scapia Credit Card
    4% on IRCTC train bookingsLifetime free
    20 Scapia Coins per ₹100 on travel bookings via the Scapia app; effective value ~4% at ₹0.20 per coin.
    53
  8. 8
    Kotak Mahindra Bank
    White Reserve Credit Card
    4% on IRCTC train bookings₹11,800/yr incl. GST
    42

How we rank

We compute an effective % back for each card's IRCTC train bookings reward rule as rate × point value, cap-aware, and rank by that number. Ties are broken by the CardAgent overall score, which weighs reward value (70%), fee efficiency (12%), redemption flexibility (9%), and perks (9%). All fees are shown inclusive of 18% GST. See methodology and full catalog.

FAQ

Which card gives free IRCTC lounge access?

Several premium and mid-tier cards give IRCTC railway lounge access — see the list above. Note IRCTC lounges are separate from airport lounges.

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