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IRCTC RBL Bank Credit Card: Your All-in-One Travel Companion

In a world moving toward simplicity, our daily travel should not be so complicated? Whether it’s booking train tickets, tapping through metro gates, recharging FasTag, or booking flights, most of us end up using different cards or apps for each task. This not only increases the hassle but also keeps us from maximising benefits like reward points or lounge access. It’s time for a smarter, unified solution that brings it all together.

The Problem: Too Many Cards, Too Much Confusion

India’s transport infrastructure is growing rapidly, but the way we pay for it hasn’t caught up. Most commuters juggle multiple cards, apps, and wallets just to get from one place to another.

Here's why:

  • Multiple Payment Systems: Metro cards don’t work for buses. Bus passes don’t cover rail tickets. Toll payments require something else entirely.
  • Limited Usability: Many cards are restricted to specific transport services or certain cities.
  • Missed Rewards: Points and cashback benefits are scattered across platforms—if they’re even available.
  • Digital Overload: Managing several apps, balances, and cards feels overwhelming and time-consuming.

This fragmented experience complicates travel and discourages everyday users from embracing digital payments.

Enter: One Nation, One Card – A Unified Travel Experience

To address these challenges, the concept of “One Nation, One Card” was introduced. The goal is simple: empower Indian travellers with a single, interoperable card that works across various transport services and platforms. That’s the idea behind the National Common Mobility Card (NCMC) — a bold step toward unified, intelligent travel.

What NCMC Makes Possible:

  • Tap & Go: Use one card for metro, train, bus, toll, and even retail.
  • Digital First: Encourages safe, contactless payments everywhere.
  • One Reward Stream: Earn, redeem, and repeat, across different uses.
  • Minimalism Wins: No more juggling between cards or apps.

It’s more than just a card. It’s a national movement towards seamless mobility and better ease of living.

Introducing the IRCTC RBL Bank Credit Card

Taking this vision forward, RBL Bank, in partnership with IRCTC, has launched the IRCTC RBL Bank Credit Card. It is a smart, contactless credit card powered by NCMC functionality.

This card is designed to replace multiple travel cards with one solution that works across India’s transport ecosystem.

Where You Can Use It

  • Train Tickets: Book across all classes via the IRCTC website and Rail Connect app.
  • Metro Travel: Tap-and-go access at metro stations in participating cities.
  • Buses and Local Commutes: Recharge FasTag, book local train tickets via the UTS app, and pay for NCMC-compatible services.
  • Long-Distance Travel: Book flights, buses, hotels, and cruises via IRCTC.

Why This Card Stands Out

This isn’t about gimmicks. It’s about making daily commutes and longer journeys smarter and more rewarding.

Key Benefits:

  • 5X Points on train bookings via IRCTC
  • 3X Points on UTS, FasTag, and NCMC reloads
  • 2X Points on flights, hotels, and cruises via IRCTC
  • 1X Point on daily essentials
  • Milestone Bonus: 500 bonus points on INR 75K spend in a quarter
  • Rail Lounge Access: 8 complimentary visits per year
  • Journey Protection: Assistance with rebooking in case of cancellations

Try our Reward Benefits Calculator to estimate your reward points based on your monthly travel and spending habits.

Who Should Get This Card?

This card is a perfect fit if you’re:

  • A daily metro or local train commuter
  • A frequent traveller via IRCTC
  • Tired of managing too many cards and apps
  • Someone who loves earning rewards on the go
  • Someone who loves to carry only mobile phones making purchases effortlessly through instant UPI payments using Scan & Pay

How to Apply for the IRCTC RBL Bank Credit Card

Getting started is simple and fully digital. Follow these steps:

Steps to Apply:

  • Visit the official application page: Click here to apply
  • Enter your personal details such as name, contact information, and PAN.
  • Complete the KYC verification process through secure OTP and document upload.
  • Submit your application and wait for confirmation from the bank.

Once your application is approved, your card will be delivered to your registered address.

Start your smart travel journey today with just a few clicks!

Conclusion: Travel Smarter, Not Harder

Gone are the days of switching cards for each mode of transport. With the IRCTC RBL Bank Credit Card, you get a one-stop solution that unifies metro rides, rail bookings, FasTag recharges, hotel reservations, and more under one smart, contactless payment method.

Whether commuting to work or planning your next holiday, this card ensures your journey is smooth, efficient, and rewarding.

It’s time to make travel simpler, one tap at a time.

Ready to simplify your travel? Explore the IRCTC RBL Bank Credit Card today.


Disclaimer:
Articles published on the website are merely indicative and suggestive in nature and do not amount to solicitation. The contents do not guarantee the desired returns and/or results. Reader is advised to exercise discretion and consult independent advisors for achieving desired result.

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