Updated 30 September 2026
On railways, IRCTC RBL Bank Credit Card on IRCTC gives 5 reward points per Rs 200, valued at Rs 1 a point by the issuer; HDFC Millennia Credit Card on ConfirmTkt gives 1% back and HDFC Bank Bharat Credit Card on IRCTC gives 5% back, capped at Rs 150 per month shared with that card's other rewards. Rates differ by merchant inside this category, and the cap usually matters more than the rate, so check the merchant page before you pay.
Showing the 25 highest value of 126 offers.
On train ticket bookings through IRCTC website or App
In the published termsEarn 5 Reward Points per INR 200 spent on train ticket bookings through the IRCTC website or App
Published by RBL Bank · Read on 10 Aug 2026 · Source ↗
In the published termsConfirmtkt: Get Additional 1% CashBack
Published by HDFC Bank · Read on 31 Aug 2026 · Source ↗
Applicable on HDFC Bank Credit/Debit Card and PayZapp only. No end date printed.
In the published termsUnlock extra savings on train bookings with SmartBuy, Get 3X Reward Points / 1% CashBack; makemytrip: Get Additional Rs.50 Discoun; Applicable on HDFC Bank Credit/Debit Card and PayZapp…
Published by HDFC Bank · Read on 31 Aug 2026 · Source ↗
Combined cashback across PayZapp, EasyEMI, SmartBuy, IRCTC, fuel, grocery, bill payments and mobile recharge is capped at Rs 150 a month. No cashback on wallet loading, rent or government transactions.
In the published termsHDFC Bank Bharat Credit Card page, CashBack Benefits
Published by HDFC Bank · Read on 27 Aug 2026 · Source ↗
In the published termsConfirmtkt: Get Additional 1% CashBack
Published by HDFC Bank · Read on 31 Aug 2026 · Source ↗
Applicable on HDFC Bank Credit/Debit Card and PayZapp only. No end date printed.
In the published termsUnlock extra savings on train bookings with SmartBuy, Get 3X Reward Points / 1% CashBack; makemytrip: Get Additional Rs.50 Discoun; Applicable on HDFC Bank Credit/Debit Card and PayZapp…
Published by HDFC Bank · Read on 31 Aug 2026 · Source ↗
Capped at Rs 150 per statement cycle. CashBack is retained as points and posted on customer request.
In the published termsHDFC Bank Business Bharat Credit Card page, CashBack Benefits
Published by HDFC Bank · Read on 27 Aug 2026 · Source ↗
In the published termsConfirmtkt: Get Additional 1% CashBack
Published by HDFC Bank · Read on 31 Aug 2026 · Source ↗
Applicable on HDFC Bank Credit/Debit Card and PayZapp only. No end date printed.
In the published termsUnlock extra savings on train bookings with SmartBuy, Get 3X Reward Points / 1% CashBack; makemytrip: Get Additional Rs.50 Discoun; Applicable on HDFC Bank Credit/Debit Card and PayZapp…
Published by HDFC Bank · Read on 31 Aug 2026 · Source ↗
On booking flights and hotels from IRCTC website or App
In the published termsEarn 2 Reward Points per INR 200 spent on booking flights and hotels from the IRCTC website or App
Published by RBL Bank · Read on 10 Aug 2026 · Source ↗
In the published termsConfirmtkt: Get Additional 1% CashBack
Published by HDFC Bank · Read on 31 Aug 2026 · Source ↗
Applicable on HDFC Bank Credit/Debit Card and PayZapp only. No end date printed.
In the published termsUnlock extra savings on train bookings with SmartBuy, Get 3X Reward Points / 1% CashBack; makemytrip: Get Additional Rs.50 Discoun; Applicable on HDFC Bank Credit/Debit Card and PayZapp…
Published by HDFC Bank · Read on 31 Aug 2026 · Source ↗
In the published terms5 Reward Points for every ₹100 spent on IRCTC ticketing website and Rail Connect App. Maximum 1,000 Reward Points per month
Published by HDFC Bank · Read on 10 Aug 2026 · Source ↗
In the published termsConfirmtkt: Get Additional 1% CashBack
Published by HDFC Bank · Read on 31 Aug 2026 · Source ↗
Applicable on HDFC Bank Credit/Debit Card and PayZapp only. No end date printed.
In the published termsUnlock extra savings on train bookings with SmartBuy, Get 3X Reward Points / 1% CashBack; makemytrip: Get Additional Rs.50 Discoun; Applicable on HDFC Bank Credit/Debit Card and PayZapp…
Published by HDFC Bank · Read on 31 Aug 2026 · Source ↗
Applicable on AC1, AC2, AC3, Executive Chair car and Chair Car bookings through IRCTC App and Website only. Reward Points will be transferred to IRCTC Loyalty Account and calculated on Booking base fare including Primary Cardholder's fare and all co-travellers' fares.
Page states "up to" or a range: this is a maximum, not a guaranteed rate.
In the published termsUp to 10% value back as reward points on buying tickets through IRCTC App and Website for AC1, AC2, AC3, Executive Chair car and Chair Car
Published by SBI Card · Read on 10 Aug 2026 · Source ↗
In the published termsConfirmtkt: Get Additional 1% CashBack
Published by HDFC Bank · Read on 31 Aug 2026 · Source ↗
Applicable on HDFC Bank Credit/Debit Card and PayZapp only. No end date printed.
In the published termsUnlock extra savings on train bookings with SmartBuy, Get 3X Reward Points / 1% CashBack; makemytrip: Get Additional Rs.50 Discoun; Applicable on HDFC Bank Credit/Debit Card and PayZapp…
Published by HDFC Bank · Read on 12 Aug 2026 · Source ↗
In the published termsConfirmtkt: Get Additional 1% CashBack
Published by HDFC Bank · Read on 31 Aug 2026 · Source ↗
Applicable on HDFC Bank Credit/Debit Card and PayZapp only. No end date printed.
In the published termsUnlock extra savings on train bookings with SmartBuy, Get 3X Reward Points / 1% CashBack; makemytrip: Get Additional Rs.50 Discoun; Applicable on HDFC Bank Credit/Debit Card and PayZapp…
Published by HDFC Bank · Read on 31 Aug 2026 · Source ↗
In the published termsConfirmtkt: Get Additional 1% CashBack
Published by HDFC Bank · Read on 31 Aug 2026 · Source ↗
Applicable on HDFC Bank Credit/Debit Card and PayZapp only. No end date printed.
In the published termsUnlock extra savings on train bookings with SmartBuy, Get 3X Reward Points / 1% CashBack; makemytrip: Get Additional Rs.50 Discoun; Applicable on HDFC Bank Credit/Debit Card and PayZapp…
Published by HDFC Bank · Read on 31 Aug 2026 · Source ↗
In the published termsConfirmtkt: Get Additional 1% CashBack
Published by HDFC Bank · Read on 31 Aug 2026 · Source ↗
Applicable on HDFC Bank Credit/Debit Card and PayZapp only. No end date printed.
In the published termsUnlock extra savings on train bookings with SmartBuy, Get 3X Reward Points / 1% CashBack; makemytrip: Get Additional Rs.50 Discoun; Applicable on HDFC Bank Credit/Debit Card and PayZapp…
Published by HDFC Bank · Read on 31 Aug 2026 · Source ↗
In the published termsConfirmtkt: Get Additional 1% CashBack
Published by HDFC Bank · Read on 31 Aug 2026 · Source ↗
Railways looks like a real category and pays like a rounding error. 126 live offers across 62 cards, and almost all of them pay exactly 1%. One issuer, HDFC Bank, accounts for 123 of the 126.
Computed from the 126 live offers that pay on railways, read from published terms as at 30 September 2026. Welcome offers and card privileges are listed separately below and are not in these figures.
| Measure | Value |
|---|---|
| Offers tracked | 126 |
| Share that publish a cap | 50% |
| Median published cap | Rs 50 |
| Most common cap period | per month |
| Share with a minimum order | 0% |
| Median minimum order | Not published |
| Channel, where stated | 1 online, 0 offline |
| Share stated rather than estimated | 99% |
The cap is the whole story, and almost nobody checks it. 60 of these offers cap at Rs 50, and at a rate of 1% a Rs 50 cap is reached at Rs 5,000 of booking. One family booking of four tickets clears that, and every rupee above it earns nothing at all. The rate is not what limits you here. The ceiling is, and it arrives far sooner than the headline suggests.
Few of the 126 offers are on IRCTC itself. Most are on booking platforms such as MakeMyTrip and ConfirmTkt, so they are booking platform offers rather than railway offers, and they disappear if you book directly.
On train ticket bookings through IRCTC website or App
RBL Bank · Source ↗Applicable on HDFC Bank Credit/Debit Card and PayZapp only. No end date printed.
HDFC Bank · Source ↗Combined cashback across PayZapp, EasyEMI, SmartBuy, IRCTC, fuel, grocery, bill payments and mobile recharge is capped at Rs 150 a month. No cashback on wallet loading, rent or government transactions.
HDFC Bank · Source ↗Capped at Rs 150 per statement cycle. CashBack is retained as points and posted on customer request.
HDFC Bank · Source ↗On booking flights and hotels from IRCTC website or App
RBL Bank · Source ↗Page states "up to" or a range: this is a maximum, not a guaranteed rate.
SBI Card · Source ↗Applicable on AC1, AC2, AC3, Executive Chair car and Chair Car bookings through IRCTC App and Website only. Reward Points will be transferred to IRCTC Loyalty Account and calculated on Booking base fare including Primary Cardholder's fare and all co-travellers' fares.
SBI Card · Source ↗Figures on this page are computed from AskTula's offer database as read on 30 September 2026, and describe what issuers, merchants and card networks publish. They are not a promise of what any individual card will pay.