Best card by app
Best credit card for IRCTC
Reviewed by Chandan Kumar Dash · Card terms as of 6 October 2026
Quick answer. For ₹5,000 a month on IRCTC, Paisabazaar PaisaSave returns about ₹3,600 a year, or ₹3,101 after its ₹499 annual fee. With no annual fee, CheQ AU returns ₹1,500 a year.
Best with no annual fee CheQ AU ₹1,500 a year
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₹5,000 a month on IRCTC # Card Rewards a year Annual fee Net a year Link 1 Paisabazaar PaisaSave YES Bank ₹3,600 ₹499 ₹3,101 Bank page 2 IRCTC HDFC Bank HDFC Bank ₹3,000 ₹500 ₹2,500 Apply 3 IRCTC SBI Platinum Card SBI Card ₹2,400 ₹500 ₹1,900 Apply 4 PhonePe SBI Card SELECT BLACK SBI Card ₹3,000 ₹1,499 ₹1,501 Bank page 5 CheQ AU AU Small Finance Bank ₹1,500 Free ₹1,500 Bank page 6 PVR INOX Kotak Kotak Mahindra Bank ₹1,800 ₹499 ₹1,301 Bank page 7 Zaggle AU Small Finance Bank ₹1,200 Free ₹1,200 Apply 8 Scapia Axis Bank Axis Bank ₹1,200 Free ₹1,200 Apply 9 Kotak 811 Dream Different Kotak Mahindra Bank ₹1,200 Free ₹1,200 Bank page 10 CRED IndusInd Bank RuPay IndusInd Bank ₹1,500 ₹499 ₹1,001 Bank page
₹7,500 a month on IRCTC # Card Rewards a year Annual fee Net a year Link 1 Paisabazaar PaisaSave YES Bank ₹5,400 ₹499 ₹4,901 Bank page 2 IRCTC HDFC Bank HDFC Bank ₹4,500 ₹500 ₹4,000 Apply 3 IRCTC SBI Platinum Card SBI Card ₹3,600 ₹500 ₹3,100 Apply 4 PhonePe SBI Card SELECT BLACK SBI Card ₹4,500 ₹1,499 ₹3,001 Bank page 5 CheQ AU AU Small Finance Bank ₹2,250 Free ₹2,250 Bank page 6 PVR INOX Kotak Kotak Mahindra Bank ₹2,700 ₹499 ₹2,201 Bank page 7 Zaggle AU Small Finance Bank ₹1,800 Free ₹1,800 Apply 8 Scapia Axis Bank Axis Bank ₹1,800 Free ₹1,800 Apply 9 Kotak 811 Dream Different Kotak Mahindra Bank ₹1,800 Free ₹1,800 Bank page 10 CRED IndusInd Bank RuPay IndusInd Bank ₹2,250 ₹499 ₹1,751 Bank page
₹10,000 a month on IRCTC # Card Rewards a year Annual fee Net a year Link 1 Paisabazaar PaisaSave YES Bank ₹7,200 Free ₹7,200 Bank page 2 IRCTC HDFC Bank HDFC Bank ₹6,000 ₹500 ₹5,500 Apply 3 PhonePe SBI Card SELECT BLACK SBI Card ₹6,000 ₹1,499 ₹4,501 Bank page 4 IRCTC SBI Platinum Card SBI Card ₹4,800 ₹500 ₹4,300 Apply 5 PVR INOX Kotak Kotak Mahindra Bank ₹3,600 ₹499 ₹3,101 Bank page 6 CheQ AU AU Small Finance Bank ₹3,000 Free ₹3,000 Bank page 7 CRED IndusInd Bank RuPay IndusInd Bank ₹3,000 ₹499 ₹2,501 Bank page 8 IRCTC RBL Bank RBL Bank ₹3,000 ₹500 ₹2,500 Apply 9 Zaggle AU Small Finance Bank ₹2,400 Free ₹2,400 Apply 10 Scapia Axis Bank Axis Bank ₹2,400 Free ₹2,400 Apply
₹15,000 a month on IRCTC # Card Rewards a year Annual fee Net a year Link 1 Paisabazaar PaisaSave YES Bank ₹10,800 Free ₹10,800 Bank page 2 IRCTC HDFC Bank HDFC Bank ₹9,000 Free ₹9,000 Apply 3 PhonePe SBI Card SELECT BLACK SBI Card ₹9,000 ₹1,499 ₹7,501 Bank page 4 IRCTC SBI Platinum Card SBI Card ₹7,200 ₹500 ₹6,700 Apply 5 PVR INOX Kotak Kotak Mahindra Bank ₹5,400 ₹499 ₹4,901 Bank page 6 CheQ AU AU Small Finance Bank ₹4,500 Free ₹4,500 Bank page 7 CRED IndusInd Bank RuPay IndusInd Bank ₹4,500 ₹499 ₹4,001 Bank page 8 IRCTC RBL Bank RBL Bank ₹4,500 ₹500 ₹4,000 Apply 9 Zaggle AU Small Finance Bank ₹3,600 Free ₹3,600 Apply 10 Scapia Axis Bank Axis Bank ₹3,600 Free ₹3,600 Apply
₹20,000 a month on IRCTC # Card Rewards a year Annual fee Net a year Link 1 Paisabazaar PaisaSave YES Bank ₹14,400 Free ₹14,400 Bank page 2 IRCTC HDFC Bank HDFC Bank ₹12,000 Free ₹12,000 Apply 3 PhonePe SBI Card SELECT BLACK SBI Card ₹12,000 ₹1,499 ₹10,501 Bank page 4 IRCTC SBI Platinum Card SBI Card ₹9,600 ₹500 ₹9,100 Apply 5 PVR INOX Kotak Kotak Mahindra Bank ₹7,200 ₹499 ₹6,701 Bank page 6 CheQ AU AU Small Finance Bank ₹6,000 Free ₹6,000 Bank page 7 CRED IndusInd Bank RuPay IndusInd Bank ₹6,000 ₹499 ₹5,501 Bank page 8 IRCTC RBL Bank RBL Bank ₹6,000 ₹500 ₹5,500 Apply 9 Zaggle AU Small Finance Bank ₹4,800 Free ₹4,800 Apply 10 Scapia Axis Bank Axis Bank ₹4,800 Free ₹4,800 Apply
₹30,000 a month on IRCTC # Card Rewards a year Annual fee Net a year Link 1 Paisabazaar PaisaSave YES Bank ₹21,600 Free ₹21,600 Bank page 2 IRCTC SBI Platinum Card SBI Card ₹14,400 ₹500 ₹13,900 Apply 3 IRCTC HDFC Bank HDFC Bank ₹13,200 Free ₹13,200 Apply 4 PhonePe SBI Card SELECT BLACK SBI Card ₹12,000 Free ₹12,000 Bank page 5 PVR INOX Kotak Kotak Mahindra Bank ₹10,800 ₹499 ₹10,301 Bank page 6 HSBC TravelOne HSBC India ₹14,400 ₹4,999 ₹9,401 Apply 7 CheQ AU AU Small Finance Bank ₹9,000 Free ₹9,000 Bank page 8 CRED IndusInd Bank RuPay IndusInd Bank ₹9,000 ₹499 ₹8,501 Bank page 9 IRCTC RBL Bank RBL Bank ₹9,000 ₹500 ₹8,500 Apply 10 Scapia Axis Bank Axis Bank ₹7,200 Free ₹7,200 Apply
Rewards a year: what the card pays back on IRCTC alone, counting monthly caps. Net: rewards minus the annual fee. Many fees are waived once your total yearly spend on the card crosses the bank's limit; see each card's page.
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Questions Which credit card gives the most back on IRCTC? At ₹5,000 a month, Paisabazaar PaisaSave gives the most after its annual fee: about ₹3,101 a year. The answer changes with how much you spend, because most cards cap their extra rewards each month.
Is there a lifetime free card for IRCTC? CheQ AU charges no annual fee and returns about ₹1,500 a year on ₹5,000 a month of IRCTC spends.
How does Saifu work these figures out? Each card's reward rules, caps and exclusions from its bank's terms are run on three months of IRCTC spends at each amount, then scaled to a year. Only IRCTC spends count towards the caps here; if your other spends share the same cap, you get less.
See also: best cards by type , find a card for all your spends , compare two cards .