TRAIN TICKETS · RATES CHECKED 22 OCT 2026
Best credit card for IRCTC Rail Connect
PhonePe SBI Black and IRCTC SBI earn the most on IRCTC Rail Connect: 3.82% back.
★ Earns the most for you
PhonePe SBI Black
₹115 a month
3.82% back · orders of ₹100+ · up to ₹1,000 a month
Bank isn’t taking new applicationsOn 2 IRCTC Rail Connect orders of ₹1,500 a month.
Every card, by what it’d earn you
- PhonePe SBI Black3.82% back · orders of ₹100+ · up to ₹1,000 a month₹115a month
IRCTC SBI3.82% back · no minimum order₹115a month
HDFC Diners Black2.15% back · no minimum order · up to ₹75,000 a month₹64a month
HDFC Infinia2.15% back · no minimum order · up to ₹2,00,000 a month₹64a month
Scapia0.82% back · orders of ₹20+₹25a month
PhonePe SBI Purple0.82% back · orders of ₹100+ · up to ₹750 a month₹25a month
Ultimate StanChart0.38% back · no minimum order₹11a month
HSBC Live+0.32% back · no minimum order₹10a month
Tata Neu Infinity0.32% back · no minimum order₹10a month
Axis ACE0.32% back · no minimum orderNo new applications₹10a month
SBI SimplyCLICK0.07% back · no minimum order · up to ₹2,500 a month₹2a month
HDFC Regalia Gold0.07% back · orders of ₹200+ · up to ₹25,000 a month₹2a month
Axis Magnus0.02% back · no minimum order₹1a month
Amounts count each card’s minimum order and monthly limit. Some limits are shared with the card’s other apps, so you may earn less if you also use it elsewhere. Points are valued the way the bank shows first.
Where these numbers come from
- PhonePe SBI Black: Bank’s own terms: PhonePe SBI Card SELECT BLACK terms and conditions booklet, clause 12 (Rewards Program), points 1 and 2, checked 22 Oct 2026
- IRCTC SBI: Bank’s own terms: IRCTC SBI Card terms booklet (SBI Card PDF, file dated 15 Sep 2026), Travel Reward Point Calculation, checked 22 Oct 2026
- HDFC Diners Black: Cardholder reports: HDFC Bank credit card MITC (updated 17 Oct 2026, version 4.15): the railway ticket fee, checked 21 Oct 2026
- HDFC Infinia: Cardholder reports: HDFC Bank credit card MITC (updated 17 Oct 2026, version 4.15): the railway ticket fee, checked 22 Oct 2026
- Scapia: Bank’s own terms: Federal Bank and Scapia: Scapia Federal cardholder agreement, version 10, last updated 27 February 2026 (linked from Scapia's site), Earn Rewards d, checked 22 Oct 2026
- PhonePe SBI Purple: Bank’s own terms: PhonePe SBI Card PURPLE Reward Program terms and conditions, clause 2 (Reward Point eligibility) and clause 1 (minimum), checked 22 Oct 2026
- Ultimate StanChart: Bank’s own terms: Ultimate Credit Card terms and conditions, section 3 (transaction-wise reward points) and section 4 (redemption), checked 22 Oct 2026
- HSBC Live+: Bank’s own terms: HSBC Live+ Credit Card page, checked 22 Oct 2026
- Tata Neu Infinity: Cardholder reports: Tata Neu Infinity HDFC Bank Credit Card terms (updated 3 Jan 2026): the 1.5% rate and the exclusions (railways are not named), checked 22 Oct 2026
- Axis ACE: Cardholder reports: Axis Bank ACE Credit Card terms and conditions, checked 22 Oct 2026
Checked 22 Oct 2026. How we check rates.
Questions people ask
Which credit card gives the most rewards on IRCTC Rail Connect?
Two cards tie for the most on IRCTC Rail Connect at 3.82%: PhonePe SBI Black (3.82% as Reward Points on orders of ₹100+, up to ₹1,000 per calendar month) and IRCTC SBI (3.82% as Reward Points).
Is there a IRCTC Rail Connect credit card, and is it the best for IRCTC Rail Connect?
Yes. IRCTC SBI: 3.82% as Reward Points. Non-IRCTC Rail Connect cards can match or beat them: PhonePe SBI Black and HDFC Diners Black are also in the top three.
Do I get the same rewards on IRCTC Rail Connect if I pay by UPI?
Not always. PhonePe SBI Black, PhonePe SBI Purple and Tata Neu Infinity earn less when the payment goes through UPI (including a RuPay card on UPI). To get the rates above, pay with the card itself in the IRCTC Rail Connect checkout.
Is there a limit on rewards for IRCTC Rail Connect orders?
Yes, most cards cap the higher rate. PhonePe SBI Black: Up to ₹1,000 per calendar month; HDFC Diners Black: Up to ₹75,000 per statement cycle (one limit shared with the card's other apps at this rate). Above the limit the card earns its lower base rate.
How up to date are these rates?
Each rate was checked against the bank’s own terms (or, where marked, cardholder reports) on 22 Oct 2026. Banks change their terms several times a year, so check the bank’s page before you apply. How we check rates.
Best card for other apps
Rewards are as per each bank’s published terms on the date shown and can change. Pickkard isn’t a bank and isn’t paid by any bank for these rankings. Always check the bank’s page before applying.