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Features of Axis Bank IRCTC Credit Card

  • Reward Points Program
    The Axis Bank IRCTC Credit Card offers a robust reward points system, particularly for train ticket bookings made via the IRCTC website or mobile app. Cardholders earn 5 reward points for every ₹100 spent on IRCTC platforms, making it a lucrative option for frequent rail travelers. These points can be redeemed for a variety of options, including train tickets, vouchers, or other rewards through the Axis Bank EDGE Rewards portal, providing flexibility and value.
  • Railway Lounge Access
    One of the standout features of the Axis Bank IRCTC Credit Card is its provision of 8 complimentary railway lounge visits per year, with a maximum of 2 visits per quarter. These lounges, located at select major railway stations across India, offer a premium waiting experience with amenities like air-conditioned seating, Wi-Fi, charging stations, buffet meals, and clean washrooms. This feature is ideal for travelers seeking comfort during layovers or before boarding.
  • Welcome and Milestone Benefits
    Upon activating the card within 30 days of issuance, cardholders receive a ₹500 gift voucher as a welcome benefit. This voucher can be redeemed across various partner platforms, providing an immediate perk for new users. The card encourages regular usage through a milestone benefit. By spending ₹30,000 every 90 days (per quarter), cardholders earn an additional ₹500 gift voucher.
Axis Bank IRCTC Credit Card
    • Travel-Related Discounts: The Axis Bank IRCTC Credit Card waives 1% transaction charges on bookings made through the IRCTC website or app, with a cap of ₹1,000 per statement cycle. Cardholders can enjoy up to 15% off on flight and hotel bookings through partner platforms like Goibibo and MakeMyTrip.
    • Fuel Surcharge Waiver: The card offers a 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000 at fuel stations across India. With a maximum waiver of ₹400 per month, this feature is a boon for cardholders who drive regularly.
    • Dining and Lifestyle Benefits: Through the Axis Bank Dining Delights program, cardholders can enjoy up to 15% off at over 10,000 partner restaurants across India via EazyDiner. The discount is capped at ₹500 per transaction and is valid once per card per month.
    • EMI and Payment Flexibility: For high-value transactions exceeding ₹2,500, cardholders can convert purchases into Equated Monthly Installments (EMIs). The card supports seamless bill payments through various channels, including Axis Mobile App, Internet Banking, NEFT, and IMPS.
    • Security and Convenience Features: The Axis Bank IRCTC Credit Card is equipped with Chip and PIN technology, reducing the risk of fraud and counterfeiting. The card supports contactless payments, allowing quick and secure transactions at enabled POS terminals.
    • Add-On Card Benefits: Cardholders can avail add-on cards for family members, extending the card's benefits like reward points and lounge access to loved ones. There are no joining or annual fees for add-on cards.
    • Mobile Banking Integration: The card integrates seamlessly with the Axis Mobile App, offering 24/7 access to features like transaction tracking, bill payments, and reward point redemption.
    • Extended Credit Period: The card offers up to 50 days of interest-free credit on purchase transactions, provided the previous bill is settled in full by the due date.
    • Cash Withdrawal Facility: Cardholders can withdraw cash up to 30% of their credit limit from over 1 million Visa ATMs worldwide, including 18,000 in India.
Axis IRCTC Credit Card Benefits

Benefits of the Axis Bank IRCTC Credit Card

  • Enhanced Travel Savings The Axis Bank IRCTC Credit Card delivers significant savings for frequent train travelers. The 1% transaction fee waiver on IRCTC bookings, capped at INR 1,000 per statement cycle, directly reduces the cost of train tickets. Combined with up to 5 reward points per INR 100 spent on IRCTC platforms, cardholders can accumulate points quickly, redeemable for future tickets or other rewards, effectively lowering travel expenses.
  • Exclusive Lounge Access One of the most appealing benefits is the complimentary access to IRCTC executive lounges. With 4 free visits annually (1 per quarter), cardholders enjoy a premium travel experience at major railway stations. These lounges offer a serene environment with complimentary snacks, beverages, and Wi-Fi, making long waits more comfortable and productive.
  • Fuel Cost Reduction The 1% fuel surcharge waiver, applicable on transactions between INR 400 and INR 4,000, provides up to INR 250 in savings per statement cycle. This benefit is particularly valuable for cardholders who drive to railway stations or use vehicles for intercity travel, complementing the card's travel-centric focus.
    • Reward Points Versatility: The card's reward points system is a major draw, offering flexibility in redemption. Points earned on IRCTC spends can be redeemed for train tickets at a value of 1 reward point = INR 1.
    • Welcome and Milestone Incentives: New cardholders receive a INR 500 gift voucher as a welcome benefit, redeemable upon completing the first transaction within 30 days.
    • Dining Discounts: Through Axis Bank's Dining Delights program, cardholders enjoy up to 15% off at over 4,000 partner restaurants across India via EazyDiner.
    • Financial Flexibility: The EMI conversion facility for purchases above INR 2,500 allows cardholders to spread out payments for big-ticket items, such as travel gadgets or vacation packages.
    • Seamless Digital Experience: Integration with the Axis Mobile app provides cardholders with real-time access to their account, enabling them to monitor spending, redeem rewards, and pay bills on the go.
    • Family-Oriented Benefits: The add-on card facility extends the card's benefits to family members, allowing them to earn reward points and access perks like lounge visits.
    • Security and Peace of Mind: The card's robust security features, including chip-and-PIN technology and customizable transaction controls, protect against unauthorized usage.
    • Cost-Effective Fee Structure: With an annual fee of INR 500 (waived for high spenders), the card offers premium benefits at an affordable cost.
    • Cashback on Partner Platforms: Cardholders enjoy cashback offers on partner platforms like Swiggy (up to INR 150 per month) and travel aggregators like Goibibo and MakeMyTrip (up to 15% off).
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How to Apply for Axis Bank IRCTC Credit Card

  • 1. Online Application
    • Via LoginToLoans:
      • Visit LoginToLoans and go to the IRCTC Credit Card page.
      • Check eligibility: Age 18–70, Indian/NRI, ₹25,000+ monthly income, credit score 700+.
      • Select the card, review features, and click "Apply Now."
      • Enter personal, employment, and financial details.
      • Upload documents (PAN, Aadhaar, address proof, income proof).
      • Submit form and receive tracking ID via SMS/email.
      • Approval within 2–7 working days. Track status on LoginToLoans.
    • Via Axis Bank Website:
      • Visit Axis Bank website → "Personal Banking" → "Credit Cards."
      • Select IRCTC Credit Card → Click "Apply Now."
      • Check eligibility using mobile number, DOB, and income.
      • Fill form with personal, employment, and financial info.
      • Upload documents (PDF/JPEG under 2 MB).
      • Submit and receive reference number via SMS/email.
      • Verification call within 1–2 days; complete e-KYC via Aadhaar OTP.
      • Virtual card activated upon approval (7–10 days); physical card sent in 5–7 days.
    • Via Axis Bank Mobile App:
      • Login to Axis Bank app → "Apply for Credit Card."
      • Select IRCTC Card and follow the same steps as the website.
      • Get real-time tracking and notifications through the app.
  • 2. Offline Application
    • Visit the nearest Axis Bank branch (use branch locator or call support).
    • Request and fill out the IRCTC Credit Card application form.
    • Attach self-attested copies of required documents and passport-sized photo.
    • Submit with originals for verification. Approval takes 2–7 working days.
  • 3. Required Documents
    • Identity Proof: PAN Card (mandatory), Aadhaar/Passport/Driver's License.
    • Address Proof: Utility Bill, Aadhaar, Passport, Ration Card.
    • Income Proof: 3 months' salary slips or latest ITR/Form 16.
    • Others: Passport-sized photo (offline), filled form.
  • 4. Post-Approval Process
    • Card dispatched to registered address in 5–10 working days.
    • Track delivery via Axis Bank SMS or LoginToLoans tracking link.
    • Receive welcome kit with card usage instructions and features.
  • 5. Card Activation & PIN Generation
    • Activate card using Axis Mobile App, Internet Banking, ATM, or customer care.
    • Generate PIN via app, ATM, or SMS service for secure transactions.
  • 6. Tips for Smooth Approval
    • Maintain credit score of 700+ (750+ preferred for better limits).
    • Ensure all information is accurate and documents are clear and valid.
    • Update your mobile number and email with Axis Bank before applying.
    • Prefer LoginToLoans or the Axis Bank App for quicker, guided applications.
    • Need help? Contact +91 8885545255 or email info@logintoloans.com.
  • 7. Common Application Challenges & Solutions
    • Incomplete Applications: Fill all fields, upload all required documents.
    • Low Credit Score: Clear debts and fix report errors before applying.

Eligibility Criteria for Axis Bank IRCTC Credit Card

  • 1. Age Requirements
    • Primary Cardholder: Must be between 18 and 70 years old at the time of application
    • Add-on Cardholder: Minimum age is 15 years
  • 2. Nationality & Residency
    • Indian Residents: Must provide valid proof of permanent Indian address
    • NRIs: Eligible with Axis Bank NRE/NRO account and overseas address proof
    • Non-residents without an Indian address are not eligible
  • 3. Income Requirements
    • Salaried: Minimum monthly income of ₹25,000 generally preferred
    • Self-employed: Annual income of ₹6 lakh+ and valid ITR or audited statements
    • Students: Eligible with Axis Bank FD of ₹25,000 or education loan tie-up
  • 4. Credit History & Score
    • Recommended Credit Score: 750+ from CIBIL or Experian
    • New-to-credit applicants can opt for FD-backed card
    • Applicants with low scores should improve repayment history before applying
  • 5. Employment & Professional Status
    • Salaried: Should have stable employment with at least 6 months' experience
    • Self-employed: Business operational for a minimum of 2 years
    • Students/Unemployed: Must provide regular income proof or apply with FD backing
  • 6. Existing Banking Relationship
    • Applicants with Axis Bank accounts may benefit from relaxed eligibility checks
    • High savings balance or long-term association may speed up processing
  • 7. Documentation Required
    • Identity Proof: PAN (mandatory unless Form 60 provided), Aadhaar, Passport, etc.
    • Address Proof: Utility bills, Aadhaar, Passport, or rental agreement
    • Income Proof: Salary slips, bank statements, ITRs, or FD receipt for secured card
    • Photograph: Recent passport-size photo or digital upload for online application
  • 8. Application Process
    • Can apply online via Axis Bank’s website or IRCTC portal
    • Offline applications accepted at Axis Bank branches
    • Processing time typically ranges from 7-14 working days
  • 9. Credit Limit Determination
    • Credit limit is based on income, credit score, and repayment capacity
    • Higher income and better credit score typically lead to higher limits
    • FD-backed cards have credit limits linked to the fixed deposit amount
  • 10. Card Variants
    • Standard and premium variants may have different eligibility and benefits
    • Premium cards require higher income and credit score
    • Choose variant based on your income and usage needs
  • 11. Usage Criteria
    • Cardholders should regularly use the card for IRCTC bookings to maximize benefits
    • Maintain timely payments to avoid penalties and maintain credit score
    • Keep utilization ratio ideally below 30% for better credit health
  • 12. Restrictions and Disqualifications
    • Applicants with ongoing legal or financial disputes may be disqualified
    • Previous defaults on credit cards or loans can affect eligibility
    • False information on the application can lead to rejection or card cancellation
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Documents Required for Axis Bank IRCTC Credit Card

  • Identity Proof:
    • PAN Card (mandatory)
    • Aadhaar Card (full or masked)
    • Passport
    • Voter ID Card
    • Driving Licence
  • Address Proof:
    • Electricity Bill (within last 3 months)
    • Telephone Bill (landline, within last 3 months)
    • Passport (with current address)
    • Driving Licence (with current address)
    • Voter ID Card (with current address)
    • Ration Card
    • Bank Statement (last 2 months)
  • Income Proof:
    • Salaried Individuals:
      • Latest salary slip
      • Form 16
      • Latest Income Tax Return (ITR)
    • Self-Employed Individuals:
      • Latest ITR with income computation
      • Audited financial statements (P&L, Balance Sheet)
      • GST registration or Business license
    • NRIs:
      • Foreign salary slips or income statements
      • Overseas bank statements (last 3 months)
      • Employment contract, PAN Card or Form 60
    • Others:
      • Students: College ID or admission letter and guardian’s income proof
      • Applicants against FD: Fixed Deposit receipt and KYC documents
  • Age Proof:
    • 10th Standard Certificate, Birth Certificate, Passport, Voter ID Card, Aadhaar Card, Driving Licence
  • Additional Documents:
    • Recent passport-sized color photograph
    • Filled credit card application form (online or offline)
    • Employer ID or offer letter (for salaried)
    • Shop license or partnership deed (for self-employed)

Factors Affecting for Axis Bank IRCTC Credit Card

  • Eligibility Criteria: The primary cardholder must be an Indian resident aged 18 to 70 years. Add-on cardholders should be at least 15 years old. A minimum annual income of ₹4 lakh is typically required. A credit score above 750 significantly improves approval chances.
  • Documentation Requirements: Applicants need to submit valid KYC documents such as Aadhaar, PAN, passport (identity), utility bills or ration card (address proof), and income proof like salary slips or ITRs. NRIs may require additional documentation.
  • Fees and Charges: The card charges ₹500 as both joining and annual fees. The annual fee is waived on spends above ₹1.5 lakh in a year. Other costs include a 3.6% monthly finance charge, 3.5% foreign currency markup, and a 1% rent transaction fee capped at ₹1,500.
  • Reward Points Limitations: The card offers accelerated EDGE Reward Points for IRCTC bookings but does not earn points on fuel, insurance, government services, and utility payments. Users with broader spending categories may earn less overall.
  • Lounge Access Restrictions: Cardholders receive 4 complimentary railway lounge visits per year, limited to 1 per quarter. These are available only at select IRCTC executive lounges, which may not be present at all stations.
  • Fuel Surcharge Constraints: A 1% fuel surcharge waiver is provided for transactions between ₹400 and ₹4,000, capped at ₹250 per billing cycle. Transactions outside this range or at non-participating fuel stations do not qualify.
  • Interest Rates and Penalties: The card attracts a 3.6% monthly interest (52.86% p.a.) on unpaid balances. Late payment fees can go up to ₹1,200, and overlimit penalties are 2.5% of the exceeded amount (minimum ₹500). Timely payments are essential to avoid charges.
  • Geographic Limitations: Benefits like lounge access and surcharge waivers are tailored for Indian railway travelers. The 3.5% foreign exchange markup reduces its value for international travelers.
  • Redemption Process: Reward points can be redeemed through the Axis EDGE Rewards portal or IRCTC platform. Though simple for digital users, some may experience delays in point crediting or voucher fulfillment.
  • Merchant Acceptance: Though widely accepted via the Visa network, some rural counters or offline IRCTC agents may not support card payments, so alternative payment modes may be required.
  • Customer Support Accessibility: Axis Bank offers 24x7 customer support, but resolution times may vary. Premium service access is limited compared to higher-tier cards, potentially affecting frequent travelers.
  • Competitive Alternatives: Competing cards like the IRCTC SBI Card Premier or HDFC IRCTC Credit Card may offer similar or better travel perks, sometimes with lower fees or more flexible reward structures.
  • Long-Term Value: The card delivers strong value for regular IRCTC users who meet the annual spend threshold for fee waivers. Infrequent train travelers or users with varied spending needs may not gain sufficient long-term benefit.

Frequently Asked Questions (FAQs)

What is the Axis Bank IRCTC Credit Card?
It is a co-branded credit card by Axis Bank and IRCTC, designed for frequent rail travelers, offering benefits like discounts on train tickets, lounge access, and reward points.
What are the types of Axis Bank IRCTC Credit Cards?
Axis Bank IRCTC Platinum Credit Card (Entry-level)
Axis Bank IRCTC Signature Credit Card (Premium)
What are the key benefits of this card?
Discounts on IRCTC train bookings (e.g., 5%–10% cashback).
Reward points on spends (1 point = ₹1 for IRCTC bookings).
Complimentary railway lounge access (for Signature variant).
No fuel surcharge on railway ticket bookings.
How do I get cashback on IRCTC bookings?
Cashback (up to 5%–10%) is automatically credited to your card statement when you book tickets via IRCTC’s website/app using this card.
Is there an annual fee for this card?
Platinum Card: ₹500 + GST (waived if annual spend is ₹50,000).
Signature Card: ₹1,500 + GST (waived if annual spend is ₹1.5 Lakhs).
Does this card offer railway lounge access?
Yes, the Signature variant provides 4 free railway lounge accesses per year at select stations.
What is the reward point system?
5 reward points per ₹100 on IRCTC bookings.
2 reward points per ₹100 on other spends.
1 reward point = ₹0.25 (redeemable against IRCTC bookings).
Can I use this card for non-railway spends?
Yes, it works like a regular credit card for shopping, dining, fuel, etc., but maximum benefits apply to IRCTC bookings.
How can I redeem reward points?
Points can be redeemed via Axis Bank’s rewards portal or IRCTC’s website while booking tickets.
Who is eligible for this card?
Salaried/self-employed individuals with a good credit score (usually 750+).
Minimum income: ₹15,000–₹25,000 per month (varies based on card variant).

List of Axis Bank IRCTC Credit Card Branches in Tamil Nadu

  • Sriperumbudur
  • Tenkasi
  • Thanjavur
  • Theni
  • Thiruvallur
  • Thiruvarur
  • Tiruchengode
  • Tiruchirappalli
  • Tirunelveli
  • Tirupathur
  • Tiruppur
  • Tiruvannamalai
  • Tuticorin
  • Udumalpet
  • Usilampatti
  • Vellore
  • Villupuram
  • Virudhunagar