Best credit card for frequent IRCTC AC train bookings?

Card Recommendation

26, salaried, ₹1L/month, CIBIL 780+

I travel 2–3 times a month with my wife, mostly in 2AC/3AC. Lounge access isn’t important.

Which credit card offers the best overall value for IRCTC bookings after considering:

  1. Rewards/cashback
  2. IRCTC convenience fee waiver
  3. Reward redemption fees/charges
  4. Any hidden costs or caps

Looking for recommendations based on actual usage.

Posted Jul 13, 2026, 10:33 AM UTC

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