IRCTC Bank Transaction Charges – All Banks

The Indian Railway Catering And Tourism Corporation or IRCTC is providing online ticket booking services for Indian Railways. Every time tickets booked through IRCTC using Debit Cards, Credit Cards, Internet Banking, eWallets etc, a small amount is charged as ‘Transaction Fees” along with GST. These transaction charges are varies as per Banks’ Gateways or Payment Gateways (PG) used for processing the payment on IRCTC. Transaction charges are charged up to 1.8% plus GST in case of Credit Cards. 

Read also – Latest IRCTC’s Tatkal Ticket Booking New Rules

Check out the updated list of bank transaction charges of IRCTC

Payment Gateway /Credit /Debit Cards

Visa/Master Card(Powered By ICICI BANK)NIL , For all Domestic Debit Cards upto Rs. 1 Lakh
1.8 % + Applicable Taxes for all domestic Credit Cards
Visa/Master Card(Powered By CITI BANK)NIL , For all Domestic Debit Cards upto Rs. 1 Lakh
1.8 % + Applicable Taxes for all domestic Credit Cards
Visa/Master Card(Powered By HDFC BANK)– NIL , For all Domestic Debit Cards
– 1.8 % + Applicable Taxes for all domestic Credit Cards
American Express1.8% of Transaction Amount
Visa/Master Card(Powered By AXIS BANK)– NIL , For all Domestic Debit Cards
– 1.65% + Applicable Taxes, For all Master/Visa Credit Cards.
RuPay Card (Powered by Kotak Bank)– NIL upto Rs. 1 Lakh

Internet Banking Charges

State Bank of IndiaRs.10/- + Applicable Taxes
State Bank of India and AssociatesRs. 10/- per transaction
Federal BankRs.10/- + Applicable Taxes
Indian BankRs. 10/- per transaction
Union Bank of IndiaRs. 10/- per transaction
Andhra BankRs.10/- + Applicable Taxes
Punjab National BankRs. 10/- per transaction
Allahabad BankRs.10/- + Applicable Taxes
Vijaya BankRs.10/- + Applicable Taxes
AXIS BankRs.10/- + Applicable Taxes
HDFC BankRs.10/- + Applicable Taxes
Bank of BarodaRs.10/- + Applicable Taxes
Karnataka BankRs.05/- + Applicable Taxes
Oriental Bank of CommerceRs.10/- + Applicable Taxes
Karur Vysya Bank– NIL
Kotak Mahindra BankRs.10/- + Applicable Taxes
ING Vysya Bank (now Kotak)Rs.10/- + Applicable Taxes
ICICI BankRs.10/- + Applicable Taxes
IndusInd Bank– NIL
IMPSRs. 5 for TXN Amt upto Rs. 5000/- and Rs. 10 for above.
Central Bank of IndiaRs. 10/- + Applicable Taxes
Bank of IndiaRs. 10/- per transaction
Syndicate BankRs. 10/- per transaction
Bank of Maharashatra– NIL
IDBI Bank– NIL
Corporation BankRs. 10/- per transaction
Yes BankRs. 10/- + Applicable Taxes
Nepal SBI Bank Ltd.NPR 19/- per transaction + Exchange Commision + Applicable Taxes
South Indian Bank– NIL
Canara BankRs.10/- + Applicable Taxes
City Union BankNil
Airtel Payments BankRs.10/- + Applicable Taxes

e-Wallets/ Cash Cards

ITZ Cash CardRs. 10/- or 1.5% whichever is lower
I Cash Card1.5% per transaction
Oxigen Wallet1.80% + Applicable Taxes
Paytm Wallet1.80% + Applicable Taxes
Mobikwik Wallet1.80% + Applicable Taxes
mRUPEE WalletTransaction Charges NIL
Paytm Wallet1.80% + Applicable Taxes
Freecharge Wallet1.80% + Applicable Taxes
SBI BuddyRs. 10/- + Applicable Taxes
OLAMONEY Wallet1.30% + Applicable Taxes
Airtel Money.75% + Applicable Taxes
I Cash Card1.5% per transaction

Read – Does IRCTC Accept Any Bank’s Credit and Debit Cards For Ticket Booking?

Debit Card with PIN

State Bank of India NIL upto Rs. 1 Lakh
Indian Overseas BankNIL upto Rs. 1 Lakh
Punjab National Bank
Indian Bank
Union Bank of India
Bank of India
Andhra Bank
Canara Bank-NIL upto Rs. 1 Lakh
CITI Bank
ICICI Bank
HDFC Bank-NIL upto Rs. 1 Lakh
Central Bank of India
AXIS Bank-NIL upto Rs. 1 Lakh
United Bank of India-NIL upto Rs. 1 Lakh

Bharat QR / Scan & Pay

AXIS PG (mVisa / Scan & Pay)Rs. 10/- per transaction + Applicable Taxes
Bharat QR(powered by Atom)1.75 % + Applicable Taxes

Pay On Delivery / Paylater

Pay-On-Delivery (Powered by Anduril Technologies)Rs. 90 + Applicable Taxes for TXN Amt upto Rs. 5000/- and Rs. 120 + Applicable Taxes for above
ePaylater (Powered by Arthashastra Fintech Pvt. Ltd.)3.50% + Applicable Taxes

BHIM / UPI / USSD

Pay using BHIM (Powered by HDFC BANK) also accepts UPIRs. 10 + Applicable Taxes ,For UPI transaction Amount above Rs.2,000
Pay using BHIM (Powered by AXIS BANK) also accepts UPI– NIL

e-Wallets using Mobile App 

PayU Money Money Txn Chgs: 1.8 % of net amt + GST as applicable
SBI BUDDY 
Mobikwik Wallet Txn Chgs: 1.80 % of net amt + GST as applicable
JIO MoneyTxn Chgs: 1.30 % of net amt + GST as applicable
Ola MoneyTxn Chgs: 1.30 % of net amt + GST as applicable
Airtel MoneyTxn Chgs: 1.8 % of net amt + GST as applicable

Cash on Delivery (COD)( Mobile App )

Pay-On-Delivery (Powered by Anduril Technologies)Txn Chgs: ₹ 90 for Amt upto ₹ 5000 and ₹ 120 for Amt above ₹ 5000 + GST as applicable

Multiple Payment Service (Credit & Debit Cards/ Netbanking /Wallets / International Cards)

Credit & Debit cards / Net Banking / Wallet (Powered by Paytm)NIL , For all Domestic Debit Cards upto Rs. 1 Lakh
Rs. 10 + Applicable Taxes for Netbanking transactions
1.8 % + Applicable Taxes for all domestic Credit Cards
1.8 % + Applicable Taxes for E-wallet transactions
International cards (Powered by ATOM)4% of Transaction Amount (Including Applicable Taxes)
Credit & Debit cards / Net Banking / Wallet (Powered by ITZ)NIL ,For all Domestic Debit Cards upto Rs. 1 Lakh
Rs. 10 + Applicable Taxes for Netbanking transactions
1.5 % + Applicable Taxes for E-wallet transactions
1.8 % + Applicable Taxes for all domestic Credit Cards
4% + Applicable Taxes for International Cards
Credit & Debit cards / Net Banking / Wallet (Powered by PayU)NIL , For all Domestic Debit Cards upto Rs. 1 Lakh
Rs. 10 + Applicable Taxes for Netbanking transactions
1.8 % + Applicable Taxes for all domestic Credit Cards
1.8 % + Applicable Taxes for E-wallet transactions
Credit & Debit cards / Net Banking / UPI (Powered by Razorpay)NIL ,For all Domestic Debit Cards upto Rs. 1 Lakh
Rs. 10 + Applicable Taxes for Netbanking transactions
Rs. 10 + Applicable Taxes ,For UPI transaction Amount above Rs.2,000.
1.8 % + Applicable Taxes for all domestic Credit Cards

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