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 Express 1.8% 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 India Rs.10/- + Applicable Taxes
State Bank of India and Associates Rs. 10/- per transaction
Federal Bank Rs.10/- + Applicable Taxes
Indian Bank Rs. 10/- per transaction
Union Bank of India Rs. 10/- per transaction
Andhra Bank Rs.10/- + Applicable Taxes
Punjab National Bank Rs. 10/- per transaction
Allahabad Bank Rs.10/- + Applicable Taxes
Vijaya Bank Rs.10/- + Applicable Taxes
AXIS Bank Rs.10/- + Applicable Taxes
HDFC Bank Rs.10/- + Applicable Taxes
Bank of Baroda Rs.10/- + Applicable Taxes
Karnataka Bank Rs.05/- + Applicable Taxes
Oriental Bank of Commerce Rs.10/- + Applicable Taxes
Karur Vysya Bank – NIL
Kotak Mahindra Bank Rs.10/- + Applicable Taxes
ING Vysya Bank (now Kotak) Rs.10/- + Applicable Taxes
ICICI Bank Rs.10/- + Applicable Taxes
IndusInd Bank – NIL
IMPS Rs. 5 for TXN Amt upto Rs. 5000/- and Rs. 10 for above.
Central Bank of India Rs. 10/- + Applicable Taxes
Bank of India Rs. 10/- per transaction
Syndicate Bank Rs. 10/- per transaction
Bank of Maharashatra – NIL
IDBI Bank – NIL
Corporation Bank Rs. 10/- per transaction
Yes Bank Rs. 10/- + Applicable Taxes
Nepal SBI Bank Ltd. NPR 19/- per transaction + Exchange Commision + Applicable Taxes
South Indian Bank – NIL
Canara Bank Rs.10/- + Applicable Taxes
City Union Bank Nil
Airtel Payments Bank Rs.10/- + Applicable Taxes

e-Wallets/ Cash Cards

ITZ Cash Card Rs. 10/- or 1.5% whichever is lower
I Cash Card 1.5% per transaction
Oxigen Wallet 1.80% + Applicable Taxes
Paytm Wallet 1.80% + Applicable Taxes
Mobikwik Wallet 1.80% + Applicable Taxes
mRUPEE Wallet Transaction Charges NIL
Paytm Wallet 1.80% + Applicable Taxes
Freecharge Wallet 1.80% + Applicable Taxes
SBI Buddy Rs. 10/- + Applicable Taxes
OLAMONEY Wallet 1.30% + Applicable Taxes
Airtel Money .75% + Applicable Taxes
I Cash Card 1.5% 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 Bank NIL 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 UPI Rs. 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 Money Txn Chgs: 1.30 % of net amt + GST as applicable
Ola Money Txn Chgs: 1.30 % of net amt + GST as applicable
Airtel Money Txn 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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