Best Credit Card for Railway Train Ticket Booking in 2024

best credit card for train ticket booking

In the hustle and bustle of Indian railways, where millions of us hop on board daily, having a trusty credit card for train ticket booking is super important. As technology improves and people’s preferences change, credit cards have become must-haves for making easy and secure purchases. And by 2024, there’ll be more options for train travellers, with many perks and rewards. So, let’s look at some of the top ones and see what they offer to help you decide which is right for you. We’ll compare their welcome gifts, bonuses, benefits, features, and ratings. Some of these cards might even offer special discounts or exclusive perks for train travellers, so keep an eye out for those!

Top Credit Card for Railway Train Ticket Booking: Benefits and Reviews

HDFC Bank Diners Club Black Credit Card: A Luxurious Travel Companion for Railway Enthusiasts

HDFC Bank Diners Club Black Credit Card

Introduction: As one of India’s most prestigious credit cards, the HDFC Bank Diners Club Black Credit Card caters to discerning travellers seeking unparalleled luxury, convenience, and rewarding experiences. This exclusive card not only offers an array of benefits for frequent flyers but also caters to the unique needs of railway enthusiasts.

Welcome Gift and Bonuses: Upon activation, new cardholders are welcomed with an impressive welcome gift, typically including complimentary memberships to premium travel and lifestyle clubs. Additionally, they receive bonus reward points, ranging from 5,000 to 10,000 points, depending on the promotional offer. These reward points can be redeemed for various benefits, including train tickets, hotel stays, and flight bookings, making it an ideal choice for railway enthusiasts.


Lounge Access: The HDFC Bank Diners Club Black Credit Card grants cardholders access to a vast network of airport lounges worldwide, ensuring a comfortable travel experience. While the card may not explicitly offer lounge access at railway stations, the extensive lounge program still provides a haven for travellers, whether by train or air.

Accelerated Reward Points: Cardholders earn accelerated rewards on various categories, including dining, travel, and lifestyle expenses. HDFC Bank typically offers 5X to 10X reward points on select transactions, making accumulating points for future redemptions easy. This includes rewards tailored to railway enthusiasts, such as train ticket bookings and other related expenses.

Travel Benefits: Besides lounge access and reward points, the card provides comprehensive travel insurance coverage, concierge services, and exclusive discounts on hotel bookings, car rentals, and more. For railway enthusiasts, this means peace of mind when travelling and additional savings on related expenses.

Rating and Review:

The HDFC Bank Diners Club Black Credit Card has consistently received high ratings from customers and industry experts. Its robust rewards program, premium benefits, and exceptional customer service make it a top choice for affluent travellers seeking luxury and convenience, whether they prefer to travel by train or plane. For railway enthusiasts, this card offers a unique blend of privileges and rewards that make it a standout choice among credit cards in India.

SBI IRCTC Credit Card

best credit card for train ticket booking

Introduction: The SBI IRCTC Credit Card is a unique offering designed for railway enthusiasts and frequent travellers. It combines rewards, savings, and convenience. As a joint venture between the State Bank of India (SBI) and the Indian Railway Catering and Tourism Corporation (IRCTC), it provides exclusive benefits tailored to the needs of Indian Railways passengers.

Welcome Gift and Bonuses: New SBI IRCTC Credit Cardholders often receive a welcome gift of IRCTC Reward Points, which can be redeemed for discounted or free train tickets. The welcome bonus typically ranges from 500 to 1,000 IRCTC Reward Points, providing immediate value to cardholders. Cardholders can also earn bonus points on their first few transactions, boosting their rewards balance.


IRCTC Reward Points: The SBI IRCTC Credit Card’s core feature is its robust rewards program, offering IRCTC Reward Points for various transactions, including railway bookings, online shopping, dining, and more. Cardholders can earn points quickly and redeem them for discounted or free train tickets, saving on travel expenses.

Fuel Surcharge Waiver: The credit card offers a fuel surcharge waiver at petrol pumps across India, providing savings and convenience to cardholders, particularly those who travel in personal vehicles.

Online Convenience: The credit card seamlessly integrates with the IRCTC platform, offering hassle-free booking experiences, secure transactions, exclusive discounts, and priority access to ticket bookings during peak seasons.

Rating and Review:

The SBI IRCTC Credit Card has garnered positive reviews from railway enthusiasts and frequent travellers thanks to its unique offering and tangible benefits. Focusing on rewarding railway expenditures and offering savings on everyday purchases, it effectively caters to the needs of Indian Railways passengers, earning praise for its value proposition and user-friendly features.

Axis Bank Vistara Credit Card

best credit card for train ticket booking

Introduction: The Axis Bank Vistara Credit Card is a joint venture between Axis Bank and Vistara that offers a comprehensive suite of privileges and rewards to air travel enthusiasts and railway lovers. It is designed for travellers seeking flexibility, value, and superior service.

Welcome Gifts and Bonuses: Upon activation, new Axis Bank Vistara Credit Cardholders are entitled to the following welcome benefits:

Complimentary Vistara Lounge Access:

Bonus Club Vistara Points (ranging from 5,000 to 10,000, depending on the promotional offer)

These welcome gifts instantly boost the rewards balance, enabling cardholders to redeem them for Vistara flight tickets or convert them to IRCTC Reward Points for train bookings.


Vistara Lounge Access: The card provides complimentary access to Vistara lounges at select airports, offering a comfortable environment for cardholders to relax and unwind before or after their journey. While railway lounge access may not be included, airport lounge benefits enhance the overall travel experience for cardholders.

Club Vistara Points: Cardholders earn Club Vistara Points on eligible transactions, including railway bookings, dining, and lifestyle expenses. The accelerated earning rates and the ability to convert points to IRCTC Reward Points make it easy for travellers to maximise their rewards and save on flights and train tickets.

Travel Benefits: In addition to lounge access and reward points, the card offers travel insurance coverage, concierge services, and exclusive discounts on hotel bookings, making it a valuable companion for frequent travellers.

Rating and Review:

The Axis Bank Vistara Credit Card is highly rated by travellers for its extensive benefits, rewarding rewards program, and seamless booking experiences. Focusing on air and rail travel, it appeals to a wide range of travellers seeking value, flexibility, and superior service. The card’s customer-centric approach and comprehensive offerings have earned it high commendations for its overall performance.


In conclusion, the best credit cards for booking railway train tickets in India in 2024 cater to diverse preferences and needs, offering many benefits, rewards, and exclusive perks. Here’s a summary of the top credit cards for railway ticket bookings:

Luxury: IndianOil Citigroup Platinum Credit Card – Offers premium travel benefits and luxury hotel stays.

Savings: HDFC Bank MoneyBack Credit Card – Provides up to 10% cashback on railway ticket bookings.

Flexibility: SBI Unnati Credit Card offers reward points on a wide range of spending, including railway tickets.

When Selecting the Best Credit Card for Railway Train Ticket Booking, Consider the Following Factors:

Welcome gifts and bonuses: Look for cards with attractive welcome gifts and high sign-up bonuses.

Benefits and perks: Assess the credit card’s value proposition by comparing the rewards, discounts, and other perks offered on railway ticket bookings.

Features and user experience: Evaluate the card’s features, such as the convenience of mobile app functionality, the luxury of customer service, and the exclusivity of access to airport lounges.

Overall ratings and reputation: Check reputable sources for reviews and ratings to ensure the credit card’s reliability and customer satisfaction.