#1
SBI Card
IRCTC SBI Card Premier
Up to 10% back on AC trains, 5% on IRCTC flights & 8 lounges
₹1,499 + taxes a yearTrain tickets
Read reviewApply link soon
Affiliate link
Best cards
Best cards for IRCTC train tickets in India (2026)
IRCTC bookings get their own cards, with the transaction charge waived and up to 10% back on AC classes.
हर कार्ड की फ़ीस और शर्तें साफ़-साफ़।
#2
SBI Card
IRCTC SBI Platinum Card
Up to 10% back on AC train tickets
₹500 + taxes a yearTrain ticketsUnder ₹500 a year
Read reviewApply link soon
Affiliate link
#3
HDFC Bank
IRCTC HDFC Credit Card
5X points on train tickets + railway lounge visits
₹500 + GST a yearTrain tickets
Read reviewApply link soon
Affiliate link
Side by side
| Card | Annual fee | Headline reward | UPI |
|---|---|---|---|
| IRCTC SBI Card PremierSBI Card | ₹1,499 + taxes a year | Up to 10% back on AC trains, 5% on IRCTC flights & 8 lounges | No |
| IRCTC SBI Platinum CardSBI Card | ₹500 + taxes a year | Up to 10% back on AC train tickets | No |
| IRCTC HDFC Credit CardHDFC Bank | ₹500 + GST a year | 5X points on train tickets + railway lounge visits | No |
Questions people ask
How did you rank these cards?
By net value at typical Indian spending: reward rate, minus the annual fee, after the monthly caps. Not by commission.
Can I hold more than one of these?
Yes, and pairing a free card with one paid card usually beats holding a single expensive one. Check each card's fee waiver condition first.
How often is this page updated?
Every card page carries the date we last checked the bank's own website. When a reward rate changes, we post it in the news section.
One email every Friday
Card of the week plus the best offers. Free, unsubscribe any time.