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ICICI BankClassic

IRCTC ICICI Bank Credit Card

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Quick facts

IRCTC ICICI Bank Credit Card

Top reward10% reward points

Annual feeLifetime Free

Min income₹20,000/mo

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🛋️Lounge & Premium

ICICI Bank · Classic tier

IRCTC ICICI Bank Credit Card

For train travellers who want lounge access without annual fee.

Key Benefits

Lounge: Complimentary railway lounge access at select IRCTC partner stations — Railway lounge benefit — no spend milestone in public T&CsIRCTC spends: 10% reward pointsRailway lounge: Included at select stationsOther spends: 1 RP/₹100

Annual fee

Free

Top rate

10% reward points

Min income

₹20,000/mo

Eff. return

0.22%

Realistic net value (moderate user): ₹1,063/year

After ₹0 fee & ₹630 forex. Based on ₹40,000/mo spend.

12,400 users matched · Verified 2026-06-12

You apply directly with the bank. If you share your contact details on their form, the bank may call you. We never sell your data or make sales calls.

We earn commission if approved — at no cost to you. Zero sales calls.

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Our transparency commitment

✓ Reward caps shown in absolute ₹ — not just "5% cashback"

✓ Exclusions listed upfront — fuel, EMI, rent, wallet

✓ Point conversions with conservative ₹/point rates

Rates, fees, and eligibility notes are sourced from public issuer information and may contain errors. Always verify on the bank's website before applying.

All Benefits

Rewards, lounge rules, fee perks, and extras — sourced from public issuer information.

Lounge: Complimentary railway lounge access at select IRCTC partner stations — Railway lounge benefit — no spend milestone in public T&Cs
IRCTC spends: 10% reward points
Railway lounge: Included at select stations
Other spends: 1 RP/₹100
Lifetime free
IRCTC reward points
Best for: Train travellers
Best for: Railway lounge users
Best for: Zero annual fee

Source: IRCTC ICICI Bank Credit Card T&Cs

🛋️Lounge & Premium

Airport lounge, golf, concierge perks

Lounge access: Complimentary railway lounge access at select IRCTC partner stations

Spend criteria: Railway lounge benefit — no spend milestone in public T&Cs

Reward Structure

Source: IRCTC ICICI Bank Credit Card T&Cs

IRCTC spends

10% reward points

Example: ₹10,000/mo spend → ≈ ₹1,000/mo

Railway lounge

Included at select stations

Other spends

1 RP/₹100

Excluded categories (no rewards)

EMIFuelRent

Lounge access

Complimentary railway lounge access at select IRCTC partner stations

Spend criteria: Railway lounge benefit — no spend milestone in public T&Cs

What You Actually Earn (in ₹)

Absolute INR estimates based on your spends. Caps and exclusions applied — no marketing fluff.

Gross rewards / year

₹1,693

Before fees & forex

Costs / year

₹630

Fee ₹0 + forex ₹630

Net value / year

₹1,063

0.22% effective return on spend

Category-wise breakdown

Travel & flights

Spend ₹5,416.67/mo · 10 pts per ₹150 spend

₹1,083.33/year

₹90.28/mo

₹5,416.67 spend → ₹90.28/mo

All other eligible spends

Spend ₹30,500/mo · 1 pts per ₹150 spend

₹610/year

₹50.83/mo

₹30,500 spend → ₹50.83/mo

Estimates assume eligible spends only (exclusions per issuer T&Cs apply). Point values use typical redemption rates — actual value varies by redemption choice. Bank approval and reward crediting is at issuer discretion.

Best for

→Train travellers
→Railway lounge users
→Zero annual fee

Points → INR Conversion Guide

Marketing says "10X points" — here's what that actually means in your pocket.

travel — 10 pts per ₹150 spend

You spend

₹10,000

→

You earn

667 pts

Worth ≈

₹166.67

@ ₹0.25/point

all — 1 pts per ₹150 spend

You spend

₹10,000

→

You earn

67 pts

Worth ≈

₹16.67

@ ₹0.25/point

Redemption reality: Point value varies — cashback redemption is typically lower than travel partner transfers. We use a conservative ₹0.25/pt in calculations.

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Fees & Charges — Full Disclosure

All amounts in INR. Everything that can reduce your net value.

Joining fee

Lifetime free card

₹0

Annual / renewal fee

No renewal fee ever

₹0

Forex markup

3.5% on international transactions

Finance charges

≈3.5–3.75% per month (42–45% p.a.) if you revolve balance — pay in full to avoid

Late payment fee

₹400–₹1,300 depending on statement balance — always pay on time

Reward redemption fee

Usually ₹0 for cashback cards; points cards may have ₹99+ redemption fee

Example: moderate user net math

Gross rewards+ ₹1,693

Annual fee− ₹0

Forex cost− ₹630

Net annual value₹1,063

Eligibility Snapshot

Public criteria from IRCTC ICICI Bank Credit Card T&Cs. Bank makes final decision.

Minimum age21–60 years

Min income (salaried)₹20,000/mo

Min income (self-employed)₹2,40,000/year

Employment acceptedsalaried, self employed

Credit historyNo minimum stated

CIBIL checkBank checks at application — CardHungry never pulls your score

Secured optionUnsecured card only

Card tierClassic — entry-level product

Important: These are indicative eligibility bands from issuer websites. Actual approval depends on the bank's internal score, existing relationship, and current portfolio policy. CardHungry shows bands, not guarantees.

FAQ

How much can I actually earn with IRCTC ICICI Bank Credit Card?+

At moderate spend (₹40,000/mo), gross rewards are about ₹1,693/year. After the ₹0 annual fee, net value is approximately ₹1,063/year. Use the calculator above to model your own spends.

What is the minimum income for IRCTC ICICI Bank Credit Card?+

₹20,000/month for salaried applicants (indicative — bank decides).

What spends do NOT earn rewards?+

EMI, Fuel, Rent.

Does CardHungry pull my CIBIL score?+

No. We use public eligibility criteria only. The bank will check CIBIL when you apply.